Lockton vs Relm Insurance: How Do They Compare for General Liability Insurance?

Relm Insurance markets general liability as a casualty line brokers place, highlighting cannabis, biotech and aerospace and defense companies; Lockton is a broker that designs custom program structures with insurers across the global market.

Lockton's general liability solution targets global manufacturers, B2B service providers, REITs, contractors and healthcare companies, while Relm markets the same line at high-growth, high-risk fields such as cannabis, biotech and aerospace. ^1,³

What Are the Key Differences Between Lockton and Relm Insurance 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. ¹ 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. ³ 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. ¹ 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. ³

How You Reach Either Brokerage

Lockton's pages describe placement through a dedicated service team rather than a public quote form. ² Relm sells general liability coverage through insurance brokers as well, and its reviewed pages do not describe a direct online quote either. ³ Neither publishes a named insurer or specific limits for the line.

What Should You Confirm in Lockton and Relm Insurance General Liability Insurance Quotes?

Ask Lockton which insurers it can access for your specific industry; its reviewed pages do not name a carrier. ¹
Ask Relm the same question, since its casualty page also does not identify an issuing insurer. ³
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. ³
Ask each brokerage for actual limit and retention options, since neither reviewed page publishes them for this line.

Lockton vs Relm Insurance General Liability Insurance Compared

Lockton vs Relm Insurance: General Liability Insurance: documented features by provider

Criteria	Lockton General & Product Liability Insurance Brokerage	Relm General Liability Insurance
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. ¹Company-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. ³Company-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. ¹Company-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. ³Company-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. ³Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not GLI-specific exclusions only.
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. ¹Company-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. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Criteria

Lockton General & Product Liability Insurance Brokerage

Relm General Liability Insurance

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. ¹Company-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. ³Company-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. ¹Company-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. ³Company-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. ³Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not GLI-specific exclusions only.

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. ¹Company-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. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.