HUB International vs 
Relm Insurance General Liability Insurance
Relm targets specialty, high-risk industries for general liability, while HUB's page addresses coverage scenarios without naming an industry focus.
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 1,2,3
What Is Relm Insurance?
Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. 5,6
What Is General Liability Insurance?
General liability covers claims that your business injured someone, damaged their property or committed a specified personal or advertising offense. It does not insure your own building or equipment. 8,9
Key Differences in 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. 4 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. 7Company-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. 7 HUB's general liability page does not list comparable exclusions, describing instead the scenarios its coverage typically responds to. 4
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. 7 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. 4
What to Confirm in General Liability Insurance Quotes
- Ask Relm which insurer would issue your GLI policy, since its casualty page names none. 7
- Ask HUB the same, since its general liability page also discloses no insurer. 4
- If you're in a regulated field like cannabis or biotech, confirm how Relm's stated exclusions for illegal activity apply to your operations. 7
- Ask HUB whether it can place general liability for specialty or high-risk industries, since its page names none. 4
Offering Details
HUB International vs Relm Insurance General Liability Insurance: documented features by provider
| Criteria | HUB International General Liability Insurance Brokerage | Relm General Liability Insurance |
|---|---|---|
| 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. 4Company-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. 7Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
| Issuing Insurer | The general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. 4Not found in reviewed sources. Checked the general liability product page on 2026-09-23; no carrier is disclosed there. | The reviewed page does not name a specific issuing insurer for general liability placements. 7Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific. |
| Who It’s For | Not described in the reviewed sources. | 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. 7Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company. |
| 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. 4Company-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. 7Company-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. 7Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not GLI-specific exclusions only. |
| Limits and Retentions | Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. 4Not publicly disclosed. Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page. | Not described in the reviewed sources. |
| Risk Services | The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. 4Not found in reviewed sources. Checked the general liability product page on 2026-09-23. | Not described in the reviewed sources. |
| 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. 4Company-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. 7Company-reported. Casualty page framing; consistent with Relm's broader broker-distribution model. |
Full Comparison
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Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- General Liability Insurance Brokers. HUB International; What's typically covered: bodily injuries, personal injuries, property damage, advertising injury; coverage-amount factors; related coverage links; Contact a HUB broker call to action. Accessed 2026-09-23.
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- Casualty Insurance. Relm Insurance; What is General Liability Insurance?; What Does Casualty Insurance Not Cover?; Is Casualty Insurance Mandatory?; Who Needs Casualty Insurance? Accessed 2026-09-23.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
