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

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

## Agent Guide

**What this page is:** Focused comparison of HUB International and Relm Insurance for Umbrella and Excess 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 Umbrella and Excess 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 Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, HUB International or Relm Insurance?
- What does HUB International or Relm Insurance publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Umbrella and Excess 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
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — 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 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.

You can hire HUB directly for umbrella and excess with claims and litigation support in six industries; Relm's excess liability for fleets and energy is reached only through your own broker.

## HUB International vs Relm Insurance Umbrella and Excess Liability Insurance Summary

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

### 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](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 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](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 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](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Ask HUB which claims and litigation support comes with your umbrella. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Get the recommended limit and attachment point in writing. [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")
- Ask which insurer issues the policy. [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")

## HUB International vs Relm Insurance Umbrella and Excess Liability Compared

| 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. [1](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. [2](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. [1](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. [2](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..) |
| Role in This Line | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. [1](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. [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

- [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 Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess)

## 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 Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [HUB International Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/hub-international/umbrella-excess)
- [Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/relm/umbrella-excess)

## 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; 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.

### Sources About Relm Insurance

2. [Casualty Insurance](https://relminsurance.com/lines-of-business/casualty-insurance/). Relm Insurance; What is Excess Liability Insurance?. 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.

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