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

Lockton brokers custom structures with insurers for global manufacturers and consumer products companies; Relm Insurance sells product liability through brokers and flags cannabis and biotech as high-exposure.

Lockton is positioned for global manufacturers and consumer-products companies seeking custom product-liability structures, with product recall also listed. Relm’s broker-placed line highlights cannabis THC-potency and biotech medical-device risks. ^1,³

What Are the Key Differences Between Lockton and Relm Insurance Product Liability Insurance?

Match Your Industry and Placement Needs

Lockton names global manufacturers, B2B service providers and consumer-products companies among the segments it serves for product liability, and says it builds custom structures with insurers across global markets. Relm markets its casualty product through brokers and highlights cannabis potency and biotech-device exposures. Choose Lockton if you are a manufacturer or consumer-products company seeking a custom or global placement; choose Relm if a broker is arranging coverage for a cannabis or biotech product. ¹ ³

Add Product Recall to the Discussion

Lockton lists product recall alongside product liability, giving manufacturers a reason to ask whether both can be placed together. Relm describes liability for injuries or property damage from defects, design flaws and inadequate warnings, but its reviewed page does not list a companion recall product. ¹ ³

Compare the Actual Exclusions

Relm lists casualty exclusions for employee injuries, professional errors, intentional or criminal acts and illegal activity. Lockton’s reviewed overview does not provide comparable policy exclusions, so ask for each proposed form before deciding how these risks are treated. ³ ¹

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

Ask Lockton whether product recall can be included in the same placement and which insurer would issue each policy. ¹
Ask your broker whether Relm will consider your cannabis or biotech product. ³
Compare Relm’s listed exclusions with the exclusions in Lockton’s proposed policy form. ³ ¹
Request limits, deductibles and exclusions from both placements in writing. ¹ ³

Lockton vs Relm Insurance Product Liability Insurance Compared

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

Criteria	Lockton General & Product Liability Insurance Brokerage	Relm Product Liability Insurance
Who It’s For	Lockton says it serves global manufacturers, business-to-business service providers and consumer products companies among others on this page — the segments most exposed to product liability risk — alongside REITs, contractors and healthcare companies. ¹Company-reported. General & Product Liability page as read 2026-09-23. Example industries, not a complete eligibility matrix.	Relm calls the coverage essential for any business that manufactures, distributes or sells physical products, and specifically flags cannabis (unexpected THC potency) and biotech (faulty medical devices, clinical trial risk) as high-exposure examples. ³Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.
Coverage Features	Lockton lists product recall coverage alongside product liability on the same page, meaning a manufacturer client can have Lockton place both the liability program and a related recall-expense program. ¹Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy.	Relm says product liability protects against claims from injuries or property damage caused by a product due to defects, design flaws, or inadequate warnings and other labelling issues. ³Company-reported. Casualty page 'What is Product 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, and damages from illegal activities. ³Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not product-liability-specific exclusions only.
Role in This Line	Lockton lists product liability on its General & Product Liability page and brokers it rather than underwriting it, designing custom structures with insurers across the global market. ¹Company-reported. General & Product Liability page as read 2026-09-23.	Relm markets Product Liability Insurance as a casualty line brokers can place for clients that manufacture, distribute or sell physical products. 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 Product Liability Insurance

Who It’s For

Lockton says it serves global manufacturers, business-to-business service providers and consumer products companies among others on this page — the segments most exposed to product liability risk — alongside REITs, contractors and healthcare companies. ¹Company-reported. General & Product Liability page as read 2026-09-23. Example industries, not a complete eligibility matrix.

Relm calls the coverage essential for any business that manufactures, distributes or sells physical products, and specifically flags cannabis (unexpected THC potency) and biotech (faulty medical devices, clinical trial risk) as high-exposure examples. ³Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.

Coverage Features

Lockton lists product recall coverage alongside product liability on the same page, meaning a manufacturer client can have Lockton place both the liability program and a related recall-expense program. ¹Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy.

Relm says product liability protects against claims from injuries or property damage caused by a product due to defects, design flaws, or inadequate warnings and other labelling issues. ³Company-reported. Casualty page 'What is Product 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, and damages from illegal activities. ³Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not product-liability-specific exclusions only.

Role in This Line

Lockton lists product liability on its General & Product Liability page and brokers it rather than underwriting it, designing custom structures with insurers across the global market. ¹Company-reported. General & Product Liability page as read 2026-09-23.

Relm markets Product Liability Insurance as a casualty line brokers can place for clients that manufacture, distribute or sell physical products. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.