---
title: "HUB International vs Relm Insurance Product Liability Insurance"
description: "HUB places product liability inside a multi-line casualty practice; Relm sells the line through brokers and cites cannabis and biotech exposures."
canonical: "https://spot.insure/compare/hub-international-vs-relm/product-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---
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# 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.
## Research Scope and Use
Use this comparison to evaluate HUB International and Relm Insurance for Product Liability 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 brokers General & Product Liability with related recall and crisis coverages and risk-financing assessments. Relm markets product liability for other brokers to place, highlighting cannabis potency and biotech device risk and listing casualty-wide exclusions. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [7](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty 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. [5](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [6](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")
[Relm Insurance profile](https://spot.insure/insurance-providers/relm)
## 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](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [9](https://www.iii.org/fact-statistic/facts-statistics-product-liability "Facts + Statistics: Product liability") [10](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")
## 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](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [7](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
### 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](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [7](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
### 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](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [7](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
## What to Confirm in Product Liability Insurance Quotes
- Ask HUB whether recall and crisis placements sit on the same casualty tower. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Ask Relm’s broker how cannabis or biotech examples apply to your operations. [7](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Confirm Relm exclusion language against HUB’s proposed form. [7](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Get issuing insurers; neither reviewed page names them. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [7](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
## Offering Details
| 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. [4](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. [7](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..) |
| 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not found in reviewed sources; scope: 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. [7](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty 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 | 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. [4](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. [7](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. [4](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..)
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. [4](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. [7](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..)
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. [7](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..) |
| Limits and Retentions | Published product liability policy limits or retentions were not found on the reviewed page. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [7](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty 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 Product Liability Insurance?](https://spot.insure/coverage/product-liability): Product liability insurance addresses injury or damage claims involving defective products your business makes, distributes or sells.
- [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 Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-relm/inland-marine)
- [HUB International vs Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-relm/kidnap-ransom)
- [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 Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/product-liability)
- [Alliance Risk vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/product-liability)
- [Amelia Risk vs HUB International Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/product-liability)
- [Amelia Risk vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-relm/product-liability)
- [Beazley vs HUB International Product Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/product-liability)
- [Beazley vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/beazley-vs-relm/product-liability)
## 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. [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.
### Relm Insurance
5. [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.
6. [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.
7. [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.
### Product Liability Insurance Guide
8. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
9. [Facts + Statistics: Product liability](https://www.iii.org/fact-statistic/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.
10. [Product liability, recall and contamination insurance](https://www.iii.org/article/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.
11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.
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.
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- [Markdown page](https://spot.insure/compare/hub-international-vs-relm/product-liability.md)
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