--- title: "HUB International vs Relm Insurance Umbrella and Excess Liability Insurance" description: "HUB brokers catastrophic casualty umbrella across six industries; Relm markets excess for brokers serving fleets, energy and large contracts." canonical: "https://spot.insure/compare/hub-international-vs-relm/umbrella-excess" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-relm/umbrella-excess) # HUB International vs Relm Insurance Umbrella and Excess Liability Insurance HUB brokers catastrophic casualty umbrella across six industries; Relm markets excess for brokers serving fleets, energy and large contracts. ## Research Scope and Use Use this comparison to evaluate HUB International and Relm Insurance for Umbrella and Excess 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 places umbrella and excess through casualty and applies claims, litigation and analytics across those programs. Relm markets excess liability as a line other brokers place for clients with large fleets, public interaction or large contracts, especially in energy, manufacturing and transportation, and says brokers always advise on the exact limit. [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 Umbrella and Excess Liability Insurance? Commercial umbrella insurance can provide additional liability limits above scheduled underlying policies for covered claims. Don't assume umbrella and excess liability are the same coverage — the labels aren't proven synonyms. [8](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") ## Key Differences in Umbrella and Excess Liability Insurance ### A Placing Casualty Broker Versus a Wholesale Excess Description HUB brokers umbrella and excess through its casualty practice rather than underwriting. Relm markets excess liability insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. [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") HUB describes protection against potentially catastrophic settlements and judgments that exceed underlying general liability, auto or employers’-liability limits. Relm says excess adds protection once the limits of a company’s underlying liability policies are exhausted. [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") ### Industry Lists and Who Advises on Limits HUB names transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate. Relm points to companies with large vehicle fleets, significant public interaction or large contracts, and calls excess especially important for high-risk industries like energy, manufacturing or transportation. Construction, healthcare, hospitality and real estate appear on HUB’s list; energy and public-interaction exposure appear on Relm’s. [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") Relm says brokers will always advise on the exact excess liability limits a client needs, framing the product as broker-guided rather than self-service. HUB describes extensive carrier relationships and risk-services, claims, litigation and analytics across casualty programs that include umbrella, without that “brokers will always advise” sentence. [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") Neither reviewed page names an issuing insurer or publishes limit figures. [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 Umbrella and Excess Liability Insurance Quotes - Ask Relm which placing broker and energy, fleet or manufacturing market would write the excess. [7](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") - Ask HUB which casualty industries and litigation or claims support attach to the umbrella. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") - Confirm the exact limit each broker recommends; Relm leaves that number to the placing broker. [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 carrier names. [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") ## Offering Details | Criteria | HUB International Umbrella and Excess Liability Insurance Brokerage | Relm Excess Liability Insurance | | --- | --- | --- | | Role in This Line | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [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 | The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not found in reviewed sources; scope: Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there..) | The reviewed page does not name a specific issuing insurer for excess 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 says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [7](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [7](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations control..) | | Limits and Retentions | Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not publicly disclosed; scope: Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations..) | Not described in the reviewed sources. | | Risk Services | HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail..) | Not described in the reviewed sources. | | How to Apply | Not described in the reviewed sources. | Relm says brokers will always advise on the exact excess liability limits a client needs, framing the product as broker-guided rather than self-service. [7](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page 'What is Excess Liability Insurance?' section; no quote was requested during this research..) | ## 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 Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella and excess liability insurance can add limits above the underlying policies it lists, subject to its coverage terms. - [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 Product Liability Insurance](https://spot.insure/compare/hub-international-vs-relm/product-liability) - [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) - [Alliance Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/umbrella-excess) - [Alliance Risk vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/umbrella-excess) - [Amelia Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/umbrella-excess) - [Amelia Risk vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-relm/umbrella-excess) - [CFC vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/umbrella-excess) - [CFC vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-relm/umbrella-excess) ## 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; Umbrella & Excess Liability section: protection for potentially catastrophic liability claim settlements and judgments; General & Product Liability section; Global Reach, Local Touch carrier-relationship description; industries served list; Connect With a HUB casualty insurance broker. 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 Excess Liability Insurance?. Accessed 2026-09-23. ### Umbrella and Excess Liability Insurance Guide 8. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16. 9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-relm/umbrella-excess.md) - [Developer resources](https://spot.insure/developers) - [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)