HUB International vs 
Relm Insurance Product Liability Insurance
HUB places product liability inside a multi-line casualty practice; Relm sells the line through brokers and cites cannabis and biotech exposures.
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 Product Liability Insurance?
Product liability insurance addresses liability for injury or damage associated with a defective product that a business manufactures, wholesales, distributes or sells. 8,9,10,11
Key Differences in Product Liability Insurance
Retail Casualty Broker Versus Broker-Distributed Product
HUB brokers general and product liability as part of its casualty practice with regional, national and specialty carriers. Relm markets Product Liability Insurance as a casualty line brokers can place and does not describe a direct online quote. You would typically work with HUB’s casualty team or with a Relm-appointed broker, not with Relm as a retail storefront. 4 7
Complementary Coverages Versus Named High-Exposure Trades
HUB pairs the line with product recall, crisis-response support, SML, active-assailant protection and Violent Acts Liability. Relm calls coverage essential for makers, distributors and sellers of physical products and specifically flags cannabis (unexpected THC potency) and biotech (faulty medical devices, clinical trial risk). 4 7
Scope Language
HUB’s offering addresses injuries or property damage from premises or operations, products, contractual liabilities, catastrophes or violent events. Relm describes defects, design flaws or inadequate warnings, and lists casualty exclusions including employee injuries, professional errors, intentional or criminal acts, and illegal activities. 4 7
What to Confirm in Product Liability Insurance Quotes
Offering Details
HUB International vs Relm Insurance Product Liability Insurance: documented features by provider
| Criteria | HUB International General & Product Liability Insurance Brokerage | Relm Product Liability Insurance |
|---|---|---|
| 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. 4Company-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. 7Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
| Issuing Insurer | HUB says it maintains relationships with regional, national and specialty carriers for casualty placements, but the reviewed page does not name the insurer that would issue a given client's product liability policy. 4Not found in reviewed sources. Checked the casualty product page on 2026-09-23; the carrier for a specific placement depends on the quote. | The reviewed page does not name a specific issuing insurer for product 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 | 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. 4Company-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. 7Company-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. 4Company-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. 4Company-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. 7Company-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. 7Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not product-liability-specific exclusions only. |
| Limits and Retentions | Published product liability policy limits or retentions were not found on the reviewed page. 4Not publicly disclosed. Checked the casualty product page on 2026-09-23; limits are set through the risk-financing assessment and the quote. | Not described in the reviewed sources. |
| Risk Services | HUB says its casualty team runs risk-financing assessments to set retention levels, program structures and coverage limits. 4Company-reported. Casualty product page strategic-approach description. | Not described in the reviewed sources. |
| How to Apply | Not described in the reviewed sources. | Relm sells product 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
More HUB International vs Relm Insurance Comparisons
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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.
- Comprehensive Casualty Insurance Solutions. HUB International; General & Product Liability section: scope of protection for premises/operations, products, contractual liability, catastrophes and violent events; complementary casualty coverages (product recall, crisis response, SML, active assailant, Violent Acts Liability); risk-financing and strategic casualty approach; vertical industry expertise; carrier relationships. 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 Product Liability Insurance?; Who Needs Casualty Insurance? (Cannabis and Biotech examples). Accessed 2026-09-23.
Product Liability Insurance Guide
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Facts + Statistics: Product liability. Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
- Product liability, recall and contamination insurance. Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability Coverage: premises, products liability and completed operations; major exclusions including damage to your work, impaired property, sistership liability and failure to perform; Limits of Insurance products and completed operations aggregate; glossary Sistership Liability. Accessed 2026-09-16.
