---
title: "HUB International vs Relm Insurance: Product Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-relm/product-liability"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-relm"
provider-a: "hub-international"
provider-b: "relm"
coverage-line: "product-liability"
---

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

## Agent Guide

**What this page is:** Focused comparison of HUB International and Relm Insurance for Product Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Product Liability Insurance questions about HUB International versus Relm Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Relm Insurance for Product Liability Insurance: how do they differ?
- Which is better for Product Liability Insurance, HUB International or Relm Insurance?
- What does HUB International or Relm Insurance publish about Product Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Product Liability Insurance. Providers: HUB International and Relm Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm) — all coverage lines for this pair
- [Product Liability Insurance guide](https://spot.insure/coverage/product-liability) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile

# 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 builds casualty programs with recall and crisis options; Relm gives brokers product-liability choices for cannabis and biotech exposures.

## HUB International vs Relm Insurance Product Liability Insurance Summary

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](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [2](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## 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](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [2](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### 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](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [2](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### 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](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

## 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](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Ask your broker whether Relm will consider your cannabis or biotech product and which exclusions apply. [2](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Compare definitions, limits and exclusions in each insurer’s product-liability form. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [2](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Get each issuing insurer and retention in writing. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [2](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## HUB International vs Relm Insurance Product Liability Compared

| 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. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [2](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Casualty product page scope-of-protection description; the issued policy's insuring agreements and exclusions control an actual claim..)<br><br>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. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [2](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page 'What is Product Liability Insurance?' section; the issued policy and declarations control..)<br><br>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. [2](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [2](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty 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..) |

## About HUB International and Relm Insurance and Product Liability

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews)
- [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability)

## Related Pages for HUB International vs Relm Insurance

- [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability): Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property; recall costs need a separate check.
- [HUB International Product Liability Insurance](https://spot.insure/insurance-providers/hub-international/product-liability)
- [Relm Insurance Product Liability Insurance](https://spot.insure/insurance-providers/relm/product-liability)

## Sources for HUB International vs Relm Insurance

### Sources About HUB International

1. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). 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.

### Sources About Relm Insurance

2. [Casualty Insurance](https://relminsurance.com/lines-of-business/casualty-insurance/). Relm Insurance; What is Product Liability Insurance?; Who Needs Casualty Insurance? (Cannabis and Biotech examples). Accessed 2026-09-23.

Updated 2026-09-25. 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/product-liability.md)
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- [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)