HUB International vs Relm Insurance: How Do They Compare for General Liability Insurance?

Relm Insurance sells general liability through brokers and highlights cannabis, biotech and aerospace companies; HUB International brokers GL, placing the policy with an insurer, and has prospects contact a HUB broker to get started.

Relm markets GLI to specialty sectors such as cannabis, biotech and aerospace and lists specific casualty exclusions, while HUB's page describes general liability scenarios without naming an industry focus or exclusions. ^2,¹

What Are the Key Differences Between HUB International and Relm Insurance General Liability Insurance?

Two Different Buyer Profiles

HUB's general liability page addresses coverage scenarios generally, without naming particular industries it targets for the line. ¹ Relm instead names specific sectors it serves, framing GLI around companies in cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology.

Relm says general liability is often required by leases and by enterprise or government contracts. It highlights companies in high-growth, high-risk or heavily regulated fields such as cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology. ²Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.

What Gets Explicitly Excluded

Relm's casualty page spells out what its GLI line and related casualty coverages generally exclude: employee injuries, professional errors, intentional or criminal acts, and damages from illegal activities. ² HUB's general liability page does not list comparable exclusions, describing instead the scenarios its coverage typically responds to. ¹

Why a Buyer Would Need the Policy

Relm ties the need for GLI to specific triggers, saying it's often required by leases and by enterprise or government contracts. ² HUB instead frames the need around who could be hurt or whose property could be damaged, naming customers, employees, vendors and visitors rather than lease or contract requirements. ¹

What Should You Confirm in HUB International and Relm Insurance General Liability Insurance Quotes?

Ask Relm which insurer would issue your GLI policy, since its casualty page names none. ²
Ask HUB the same, since its general liability page also discloses no insurer. ¹
If you're in a regulated field like cannabis or biotech, confirm how Relm's stated exclusions for illegal activity apply to your operations. ²
Ask HUB whether it can place general liability for specialty or high-risk industries, since its page names none. ¹

HUB International vs Relm Insurance General Liability Compared

HUB International vs Relm Insurance: General Liability Insurance: documented features by provider

Criteria	HUB International General Liability Insurance Brokerage	Relm General Liability Insurance
How to Apply	HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. ¹Company-reported. Product-page copy; no online quote or bind flow is described.	Relm sells general liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ²Company-reported. Casualty page framing; consistent with Relm's broader broker-distribution model.
Coverage Features	HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. ¹Company-reported. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers.	Relm says GLI covers third-party bodily injury (medical expenses, legal defense, damages), third-party property damage, and personal and advertising injury claims such as libel, slander, false arrest, malicious prosecution, copyright infringement and privacy violations. ²Company-reported. Casualty page 'What is General Liability Insurance?' section; the issued policy and declarations control. Relm says casualty coverage generally excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), intentional or criminal acts by directors or employees, and damages from illegal activities. ²Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not GLI-specific exclusions only.
Role in This Line	HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. ¹Company-reported. General liability product page as read on 2026-09-23; the page does not name an issuing insurer.	Relm markets General Liability Insurance (GLI) as a casualty line brokers can place for clients, grouped alongside its product and excess liability products on the same casualty page. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Criteria

HUB International General Liability Insurance Brokerage

Relm General Liability Insurance

How to Apply

HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. ¹Company-reported. Product-page copy; no online quote or bind flow is described.

Relm sells general liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ²Company-reported. Casualty page framing; consistent with Relm's broader broker-distribution model.

Coverage Features

HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. ¹Company-reported. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers.

Relm says GLI covers third-party bodily injury (medical expenses, legal defense, damages), third-party property damage, and personal and advertising injury claims such as libel, slander, false arrest, malicious prosecution, copyright infringement and privacy violations. ²Company-reported. Casualty page 'What is General Liability Insurance?' section; the issued policy and declarations control.

Relm says casualty coverage generally excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), intentional or criminal acts by directors or employees, and damages from illegal activities. ²Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not GLI-specific exclusions only.

Role in This Line

HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. ¹Company-reported. General liability product page as read on 2026-09-23; the page does not name an issuing insurer.

Relm markets General Liability Insurance (GLI) as a casualty line brokers can place for clients, grouped alongside its product and excess liability products on the same casualty page. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.