Lockton vs 
Relm Insurance General Liability Insurance
Lockton places general liability for global manufacturers and REITs; Relm brokers the same line for cannabis, biotech and other regulated niches.
What Is Lockton?
Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. 1,2,3
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. 6,7
What Is General Liability Insurance?
General liability covers claims that your business injured someone, damaged their property or committed a specified personal or advertising offense. It does not insure your own building or equipment. 9,10
Key Differences in General Liability Insurance
Which Businesses Each Brokerage Names
Lockton's general liability solution names global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. 4 Relm instead points to companies in high-growth, high-risk or heavily regulated fields, naming cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology, and says coverage is often required by leases and by enterprise or government contracts. 8 Both brokerages describe an industry-driven appetite, but Relm's list leans toward specialty and regulated risk while Lockton's spans conventional commercial sectors.
What the Base Coverage Answers
Lockton frames general liability through the adjacent specialty lines it can bundle with it, such as environmental impairment and product recall, rather than describing the base insuring agreement. 4 Relm instead describes the base coverage directly: third-party bodily injury, third-party property damage, and personal and advertising injury claims such as libel, slander, false arrest and copyright infringement. 8
How You Reach Either Brokerage
Lockton's pages describe placement through a dedicated service team rather than a public quote form. 5 Relm sells general liability coverage through insurance brokers as well, and its reviewed pages do not describe a direct online quote either. 8 Neither publishes a named insurer or specific limits for the line.
What to Confirm in General Liability Insurance Quotes
- Ask Lockton which insurers it can access for your specific industry; its reviewed pages do not name a carrier. 4
- Ask Relm the same question, since its casualty page also does not identify an issuing insurer. 8
- If your business is in a regulated field like cannabis or biotech, ask Relm which exclusions apply beyond the general ones it lists for employee injuries and professional errors. 8
- Ask each brokerage for actual limit and retention options, since neither reviewed page publishes them for this line.
Offering Details
Lockton vs Relm Insurance General Liability Insurance: documented features by provider
| Criteria | Lockton General & Product Liability Insurance Brokerage | Relm General Liability Insurance |
|---|---|---|
| Role in This Line | Lockton brokers general liability rather than underwriting it. It says it designs custom program structures for commercial clients using insurers across the global market. 4Company-reported. General & Product Liability page as read 2026-09-23. | Relm markets General Liability Insurance (GLI) as a casualty line brokers can place for clients, grouped alongside its product and excess liability products on the same casualty page. 8Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
| Issuing Insurer | Neither page names the insurers Lockton places general liability coverage with. 4,5Not publicly disclosed. General & Product Liability and Casualty pages checked 2026-09-23. | The reviewed page does not name a specific issuing insurer for general liability placements. 8Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific. |
| Who It’s For | Lockton says it has a general liability solution for global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. 4Company-reported. General & Product Liability page as read 2026-09-23. Lists example industries served, not a complete eligibility matrix. | Relm says general liability is often required by leases and by enterprise or government contracts. It highlights companies in high-growth, high-risk or heavily regulated fields such as cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology. 8Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company. |
| Coverage Features | Lockton groups general liability brokerage with related casualty coverages it also places for the same clients: environmental impairment, medical malpractice, product recall and umbrella/excess liability, in addition to product liability itself. 4Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy. | Relm says GLI covers third-party bodily injury (medical expenses, legal defense, damages), third-party property damage, and personal and advertising injury claims such as libel, slander, false arrest, malicious prosecution, copyright infringement and privacy violations. 8Company-reported. Casualty page 'What is General 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 by directors or employees, and damages from illegal activities. 8Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not GLI-specific exclusions only. |
| Risk Services | Lockton's casualty pages say clients keep the same dedicated service team throughout the placement process, which Lockton says helps it anticipate client needs and create accountability. 5Company-reported. Casualty product page as read 2026-09-23. | Not described in the reviewed sources. |
| How to Apply | Not described in the reviewed sources. | Relm sells general liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 8Company-reported. Casualty page framing; consistent with Relm's broader broker-distribution model. |
Full Comparison
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Sources
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- Technology. Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
- US Terms of Business. Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
- US > General & Product Liability. Lockton; Tailored solutions intro; industries named (global manufacturer, business-to-business service provider, consumer products company, REIT, contractor, healthcare company); liability solutions list (environmental impairment, medical malpractice, global risk, product liability, professional liability/indemnity, product recall, umbrella liability and excess). Accessed 2026-09-23.
- Casualty Insurance. Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team paragraph. Accessed 2026-09-23.
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- Casualty Insurance. Relm Insurance; What is General Liability Insurance?; What Does Casualty Insurance Not Cover?; Is Casualty Insurance Mandatory?; Who Needs Casualty Insurance? Accessed 2026-09-23.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
