HUB International vs Relm Insurance: How Do They Compare for Umbrella and Excess Liability Insurance?

Relm Insurance markets excess liability that brokers place, noting large fleets and large contracts; HUB International brokers umbrella and excess through a casualty practice across transportation, construction and healthcare.

HUB is the one you can hire directly: its casualty team places umbrella and excess and adds claims, litigation and analytics support. Relm's excess liability for fleets, energy and large-contract businesses is reached only through your own broker. ^1,²

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

Your Broker Versus a Market Your Broker Uses

HUB works for you: its casualty practice places umbrella and excess through its insurer relationships and supports the program with risk services, claims, litigation and analytics. Relm offers excess liability as a line brokers place for their clients, and says the broker always advises on the limit. You don’t buy from Relm; your broker does, if it has access. Choose HUB if you need a broker to run the whole placement; choose Relm if your current broker can reach it and you run fleets, energy work or large contracts. ¹ ²

Industries Each Names

HUB lists transportation, construction, healthcare, hospitality, manufacturing and distribution, and real estate. Relm points to large vehicle fleets, heavy public interaction and large contracts, and singles out energy, manufacturing and transportation. A hospital or property owner lines up with HUB; an energy contractor with Relm. ¹ ²

What the Layer Does

HUB frames umbrella and excess as protection against catastrophic settlements and judgments above your general liability, auto or employers’ liability limits. Relm says its excess pays once your underlying liability limits run out. Neither publishes limits, so the number comes from whoever advises you. ¹ ²

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

Ask your broker whether it can place with Relm. ²
Ask HUB which claims and litigation support comes with your umbrella. ¹
Get the recommended limit and attachment point in writing. ² ¹
Ask which insurer issues the policy. ² ¹

HUB International vs Relm Insurance Umbrella and Excess Liability Compared

HUB International vs Relm Insurance: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	HUB International Umbrella and Excess Liability Insurance Brokerage	Relm Excess Liability Insurance
Who It’s For	HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. ¹Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria.	Relm says excess liability benefits companies with higher-than-average liability exposure, such as those with large vehicle fleets, significant public interaction or large contracts, and calls it especially important for high-risk industries like energy, manufacturing or transportation. ²Company-reported. Casualty page 'What is Excess Liability Insurance?' section; not a guarantee of eligibility for a particular company.
Coverage Features	HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. ¹Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.	Relm says excess liability adds protection once the limits of a company's underlying liability policies are exhausted. ²Company-reported. Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations control.
Role in This Line	HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. ¹Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer.	Relm markets Excess Liability Insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.