HUB International vs Relm Insurance Inland Marine Insurance

HUB brokers inland marine insurance through its marine insurance practice, drawing on what it describes as relationships with domestic and international insurance carriers rather than underwriting the coverage itself. ⁴Company-reported. Marine product page; neither reviewed page names a specific issuing insurer for inland marine.

Relm markets Inland Marine Insurance as a distinct line from commercial property on the same page, describing it as a crucial add-on since traditional property coverage often excludes risks to assets on the move. ⁸Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Not described in the reviewed sources.

The reviewed page does not name a specific issuing insurer for inland marine placements. ⁸Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

Not described in the reviewed sources.

Relm targets businesses that move materials between sites, ship products, or work remotely on client property, specifically naming tech or medical companies transporting delicate high-value equipment, manufacturers with prototypes in transit, and construction firms with equipment on the move. ⁸Company-reported. Property/marine page 'Who Needs Inland Marine Insurance?' section; not a guarantee of eligibility for a particular company.

HUB's glossary defines inland marine insurance as domestic coverage that protects business property, such as equipment, machinery or products, while it is transported over land by truck or train, used at a job site, or stored in a warehouse, including specialized items a standard business owner's policy would not cover. ⁵Company-reported. Glossary page definition; the issued policy's schedule of covered property and exclusions controls an actual claim.

HUB lists trade show exhibits, cargo items, sales samples, communication equipment, medical equipment, computer systems and photography equipment as examples of property commonly insured under an inland marine policy. ⁵Company-reported. Glossary page property examples; a specific policy's covered-property list is set on the quote and declarations.

HUB says inland marine policies can cover perils including fire, hail, theft, water damage and wind, plus accidental damage and mysterious disappearance of covered property. ⁵Company-reported. Glossary page peril list; coverage for a specific peril depends on the policy form and endorsements.

HUB's marine practice groups inland marine alongside related marine coverages it arranges, including marine cargo insurance, stock throughput insurance, protection and indemnity, charterers' liability and hull and machinery liability. ⁴Company-reported. Marine product page tailored-solutions list; not every listed coverage applies to a given inland marine client.

Relm says inland marine covers goods in transit over land, tools and machinery in use at job sites, and bailee's goods in the client's custody, distinct from ocean marine coverage for goods transported by sea. ⁸Company-reported. Property/marine page 'What is Inland Marine Insurance?' section; the issued policy and declarations control.

Relm lists specific inland marine product examples: instrument and equipment floaters for delicate or high-value tools, motor truck cargo coverage, installation floaters for components being installed at customer sites, bailee's customer goods coverage, and exhibition floaters for trade-show shipments. ⁸Company-reported. Property/marine page 'Common inland marine examples' list.

HUB says most inland marine policies carry a deductible and a stated coverage limit, and warns that claiming a loss beyond the policy's coverage limit can lead to penalties, but the reviewed pages do not publish specific deductible or limit amounts. ⁵Company-reported. Glossary page policy-structure description; actual deductibles and limits are set on the quote and declarations.

Not described in the reviewed sources.

HUB's marine page directs prospective clients to "Connect With a Broker" or contact a HUB marine insurance specialist rather than an online quote or bind flow. ⁴Company-reported. Marine product page call-to-action text.

Relm sells inland marine coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ⁸Company-reported. Property/marine page framing; consistent with Relm's broader broker-distribution model.