---
title: "HUB International vs Relm Insurance Inland Marine Insurance"
description: "HUB brokers inland marine through carrier relationships; Relm sells the line as a product brokers place, with named floater types."
canonical: "https://spot.insure/compare/hub-international-vs-relm/inland-marine"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/hub-international-vs-relm/inland-marine)

# HUB International vs Relm Insurance Inland Marine Insurance

HUB brokers inland marine through carrier relationships; Relm sells the line as a product brokers place, with named floater types.

## Research Scope and Use

Use this comparison to evaluate HUB International and Relm Insurance for Inland Marine Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

HUB International arranges inland marine through its marine brokerage and does not underwrite it. Relm markets Inland Marine Insurance as its own line, sold through brokers, with named floaters such as installation, bailee and motor truck cargo. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [8](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance")

## 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](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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. [6](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [7](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## What Is Inland Marine Insurance?

Inland marine is specialized property insurance for items such as equipment that travels between sites, property being installed and goods in transit. Coverage types differ, so match each quote to the items you own, rent or hold for others. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf "Inland Marine Policy: Contractors’ Equipment")

## Key Differences in Inland Marine Insurance

### Who Places and Who Markets the Line

HUB is the broker: it places inland marine through what it calls relationships with domestic and international carriers. Relm markets Inland Marine Insurance as a distinct product on the same page as commercial property, sold through insurance brokers, and its reviewed page does not name the issuing insurer for a given placement. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [8](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance")

### Floaters Relm Names Versus HUB’s Marine Menu

Relm lists instrument and equipment floaters, motor truck cargo, installation floaters for components at customer sites, bailee’s customer-goods cover and exhibition floaters. HUB’s marine practice lists cargo, stock throughput, protection and indemnity, charterers’ liability and hull and machinery alongside inland marine, a wider marine menu than Relm’s land-focused floater list. [8](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage")

### How Each Describes Movable Property

HUB’s glossary says inland marine can follow equipment, machinery or products over land, at a job site or in a warehouse, including fire, hail, theft, water, wind, accidental damage and mysterious disappearance. Relm separates inland marine from ocean marine and says it covers goods in transit over land, tools and machinery at job sites, and bailee’s goods in the client’s custody. [5](https://www.hubinternational.com/insurance-glossary/i/inland-marine-insurance/ "Inland Marine Insurance Definition") [8](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance")

### Audiences Named on Relm’s Page

Relm names tech or medical companies moving delicate equipment, manufacturers with prototypes in transit, and construction firms with equipment on the move. HUB’s reviewed inland marine sources do not publish that industry list; they send you to connect with a marine specialist. [8](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage")

## What to Confirm in Inland Marine Insurance Quotes

- Get the issuing carrier from both: Relm’s page does not name one, and HUB’s placement will vary. [8](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage")
- Ask Relm whether the quote is an installation, bailee, exhibition or cargo floater, or a combined schedule. [8](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance")
- Ask HUB whether stock throughput or ocean cargo is being proposed with inland marine. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage")
- Confirm which perils apply; HUB’s glossary lists several, while Relm’s page does not itemize perils the same way. [5](https://www.hubinternational.com/insurance-glossary/i/inland-marine-insurance/ "Inland Marine Insurance Definition") [8](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance")

## Offering Details

| Criteria | HUB International Inland Marine Insurance Brokerage | Relm Inland Marine Insurance |
| --- | --- | --- |
| Role in This Line | 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. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: 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. [8](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |
| Issuing Insurer | Not described in the reviewed sources. | The reviewed page does not name a specific issuing insurer for inland marine placements. [8](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Not publicly disclosed; scope: 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 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. [8](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Company-reported; scope: Property/marine page 'Who Needs Inland Marine Insurance?' section; not a guarantee of eligibility for a particular company..) |
| Coverage Features | 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. [5](https://www.hubinternational.com/insurance-glossary/i/inland-marine-insurance/ "Inland Marine Insurance Definition") (Evidence: Company-reported; scope: Glossary page definition; the issued policy's schedule of covered property and exclusions controls an actual claim..)<br><br>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. [5](https://www.hubinternational.com/insurance-glossary/i/inland-marine-insurance/ "Inland Marine Insurance Definition") (Evidence: Company-reported; scope: Glossary page property examples; a specific policy's covered-property list is set on the quote and declarations..)<br><br>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. [5](https://www.hubinternational.com/insurance-glossary/i/inland-marine-insurance/ "Inland Marine Insurance Definition") (Evidence: Company-reported; scope: Glossary page peril list; coverage for a specific peril depends on the policy form and endorsements..)<br><br>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. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: 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. [8](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Company-reported; scope: Property/marine page 'What is Inland Marine Insurance?' section; the issued policy and declarations control..)<br><br>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. [8](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Company-reported; scope: Property/marine page 'Common inland marine examples' list..) |
| Limits and Retentions | 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. [5](https://www.hubinternational.com/insurance-glossary/i/inland-marine-insurance/ "Inland Marine Insurance Definition") (Evidence: Company-reported; scope: Glossary page policy-structure description; actual deductibles and limits are set on the quote and declarations..) | Not described in the reviewed sources. |
| How to Apply | 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. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: 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. [8](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Company-reported; scope: Property/marine page framing; consistent with Relm's broader broker-distribution model..) |

## Full Comparison

- [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Inland Marine Insurance?](https://spot.insure/coverage/inland-marine): Inland marine insurance includes specialized protection for equipment that moves between jobs and goods in transit.
- [HUB International vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-relm/commercial-property)
- [HUB International vs Relm Insurance Crime Insurance](https://spot.insure/compare/hub-international-vs-relm/crime)
- [HUB International vs Relm Insurance Cyber Insurance](https://spot.insure/compare/hub-international-vs-relm/cyber)
- [HUB International vs Relm Insurance D&O Insurance](https://spot.insure/compare/hub-international-vs-relm/directors-officers)
- [HUB International vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-relm/employment-practices)
- [HUB International vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-relm/fiduciary)
- [HUB International vs Relm Insurance General Liability Insurance](https://spot.insure/compare/hub-international-vs-relm/general-liability)
- [HUB International vs Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-relm/kidnap-ransom)
- [HUB International vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/hub-international-vs-relm/product-liability)
- [HUB International vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-relm/professional-errors-omissions)
- [HUB International vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-relm/technology-errors-omissions)
- [HUB International vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-relm/umbrella-excess)
- [Alliance Risk vs HUB International Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/inland-marine)
- [Alliance Risk vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-relm/inland-marine)
- [Chubb vs HUB International Inland Marine Insurance](https://spot.insure/compare/chubb-vs-hub-international/inland-marine)
- [Chubb vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/chubb-vs-relm/inland-marine)
- [Coverdash vs HUB International Inland Marine Insurance](https://spot.insure/compare/coverdash-vs-hub-international/inland-marine)
- [Coverdash vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/coverdash-vs-relm/inland-marine)

## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
4. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Navigate the Changing Landscape: strong relationships with domestic and international insurance carriers; Tailored Solutions list including Marine Cargo Insurance, Stock Throughput Insurance, Protection & Indemnity, Charterers' Liability, Hull & Machinery Liability; Connect With a Broker call to action. Accessed 2026-09-23.
5. [Inland Marine Insurance Definition](https://www.hubinternational.com/insurance-glossary/i/inland-marine-insurance/). HUB International; Definition; covered property types (trade show exhibits, cargo items, sales samples, communication equipment, medical equipment, computer systems, photography equipment); covered perils; deductible and coverage-limit explanation. Accessed 2026-09-23.

### Relm Insurance

6. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
7. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
8. [Commercial Property and Inland Marine Insurance](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/). Relm Insurance; What is Inland Marine Insurance?; Common inland marine examples; Who Needs Inland Marine Insurance?. Accessed 2026-09-23.

### Inland Marine Insurance Guide

9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
10. [Inland Marine Policy: Contractors’ Equipment](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf). Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-relm/inland-marine.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)