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

HUB International is itself a broker, arranging coverage with regional, national and specialty carriers, with expertise in manufacturing among other industries; Relm Insurance sells product liability through brokers and flags cannabis and biotech as high-exposure.

HUB places product liability within a casualty program that can include product recall and crisis-response services. Relm distributes product liability through brokers and highlights cannabis THC-potency and biotech-device risks. ^1,²

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

Choose the Placement That Matches Your Risk

HUB works across casualty lines with regional, national and specialty insurers and lists product recall and crisis-response services alongside product liability. Relm’s examples focus on unexpected THC potency for cannabis and faulty devices or clinical trials for biotech. Choose HUB if you need product liability within a broader casualty program with recall or crisis options; choose Relm if a broker is placing coverage for a cannabis or biotech product. ¹ ²

Work With HUB’s Casualty Team or a Relm Broker

HUB arranges general and product liability through its casualty practice. Relm markets product liability for brokers to place and does not describe a direct quote path. The route matters if you already have a broker or want related casualty coverages coordinated together. ¹ ²

Compare the Policy Exclusions

Relm describes injury or property damage from defects, design flaws and inadequate warnings, and lists exclusions for employee injuries, professional errors, intentional or criminal acts, and illegal activities. HUB describes premises, operations, products, contractual liability, catastrophic and violent-event exposures but does not publish comparable product-liability exclusions on the reviewed page. Request the actual forms to compare exclusions. ² ¹

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

Ask HUB whether recall and crisis-response policies can be included with product liability. ¹
Ask your broker whether Relm will consider your cannabis or biotech product and which exclusions apply. ²
Compare definitions, limits and exclusions in each insurer’s product-liability form. ¹ ²
Get each issuing insurer and retention in writing. ¹ ²

HUB International vs Relm Insurance Product Liability Compared

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

Criteria	HUB International General & Product Liability Insurance Brokerage	Relm Product Liability Insurance
Who It’s For	HUB highlights vertical expertise in transportation, construction, healthcare, hospitality, manufacturing and real estate as industries where it says commercial liability exposures, including product liability, are most complex. ¹Company-reported. Casualty product page industry-expertise description; not an underwriting appetite statement.	Relm calls the coverage essential for any business that manufactures, distributes or sells physical products, and specifically flags cannabis (unexpected THC potency) and biotech (faulty medical devices, clinical trial risk) as high-exposure examples. ²Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.
Coverage Features	HUB says its General & Product Liability offering addresses injuries or property damage to the public arising from a client's premises or operations, its products, contractual liabilities, natural catastrophes, or violent events. ¹Company-reported. Casualty product page scope-of-protection description; the issued policy's insuring agreements and exclusions control an actual claim. HUB pairs its product liability brokerage with related casualty coverages it also arranges, including product recall coverage, crisis-response support, sexual misconduct liability (SML), active-assailant protection and Violent Acts Liability insurance. ¹Company-reported. Casualty product page complementary-coverages list; availability of each coverage depends on the client and placement.	Relm says product liability protects against claims from injuries or property damage caused by a product due to defects, design flaws, or inadequate warnings and other labelling issues. ²Company-reported. Casualty page 'What is Product 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, and damages from illegal activities. ²Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not product-liability-specific exclusions only.
Role in This Line	HUB brokers general and product liability insurance as part of its casualty practice, arranging coverage with regional, national and specialty carriers rather than underwriting the policy itself. ¹Company-reported. Casualty product page, read 2026-09-23; the page does not name a specific issuing insurer.	Relm markets Product Liability Insurance as a casualty line brokers can place for clients that manufacture, distribute or sell physical products. 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 & Product Liability Insurance Brokerage

Relm Product Liability Insurance

Who It’s For

HUB highlights vertical expertise in transportation, construction, healthcare, hospitality, manufacturing and real estate as industries where it says commercial liability exposures, including product liability, are most complex. ¹Company-reported. Casualty product page industry-expertise description; not an underwriting appetite statement.

Relm calls the coverage essential for any business that manufactures, distributes or sells physical products, and specifically flags cannabis (unexpected THC potency) and biotech (faulty medical devices, clinical trial risk) as high-exposure examples. ²Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.

Coverage Features

HUB says its General & Product Liability offering addresses injuries or property damage to the public arising from a client's premises or operations, its products, contractual liabilities, natural catastrophes, or violent events. ¹Company-reported. Casualty product page scope-of-protection description; the issued policy's insuring agreements and exclusions control an actual claim.

HUB pairs its product liability brokerage with related casualty coverages it also arranges, including product recall coverage, crisis-response support, sexual misconduct liability (SML), active-assailant protection and Violent Acts Liability insurance. ¹Company-reported. Casualty product page complementary-coverages list; availability of each coverage depends on the client and placement.

Relm says product liability protects against claims from injuries or property damage caused by a product due to defects, design flaws, or inadequate warnings and other labelling issues. ²Company-reported. Casualty page 'What is Product 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, and damages from illegal activities. ²Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not product-liability-specific exclusions only.

Role in This Line

HUB brokers general and product liability insurance as part of its casualty practice, arranging coverage with regional, national and specialty carriers rather than underwriting the policy itself. ¹Company-reported. Casualty product page, read 2026-09-23; the page does not name a specific issuing insurer.

Relm markets Product Liability Insurance as a casualty line brokers can place for clients that manufacture, distribute or sell physical products. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.