Lockton vs 
Relm Insurance Product Liability Insurance
Lockton custom-structures product liability and recall for manufacturers; Relm distributes the line through brokers with cannabis and biotech examples.
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 Product Liability Insurance?
Product liability insurance addresses liability for injury or damage associated with a defective product that a business manufactures, wholesales, distributes or sells. 9,10,11,12
Key Differences in Product Liability Insurance
Custom Brokerage Versus Relm’s Broker Channel
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. Relm markets Product Liability Insurance as a casualty line brokers can place; its reviewed pages do not describe a direct online quote. 4 8
Manufacturer Segments Versus Cannabis and Biotech Examples
Lockton says it serves global manufacturers, business-to-business service providers and consumer products companies — the segments it calls most exposed to product liability — alongside REITs, contractors and healthcare companies. 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). 4 8
Recall Listed Beside Liability Versus Defect and Warning Language
Lockton lists product recall coverage alongside product liability on the same page. Relm describes product liability as protection against injuries or property damage from defects, design flaws, or inadequate warnings and other labelling issues, and does not list a companion recall-expense product on the reviewed page. Relm also lists casualty-wide exclusions such as employee injuries, professional errors, intentional or criminal acts, and illegal activities. 4 8
What to Confirm in Product Liability Insurance Quotes
Offering Details
Lockton vs Relm Insurance Product Liability Insurance: documented features by provider
| Criteria | Lockton General & Product Liability Insurance Brokerage | Relm Product Liability Insurance |
|---|---|---|
| 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. 4Company-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. 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 product 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 product 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 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. 4Company-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. 8Company-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. 4Company-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. 8Company-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. 8Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not product-liability-specific exclusions only. |
| How to Apply | Not described in the reviewed sources. | Relm sells product 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
More Lockton vs Relm Insurance Comparisons
Other Product Liability Insurance Comparisons
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 including Product liability and Product recall. Accessed 2026-09-23.
- Casualty Insurance. Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation. 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 Product Liability Insurance?; Who Needs Casualty Insurance? (Cannabis and Biotech examples). Accessed 2026-09-23.
Product Liability Insurance Guide
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Facts + Statistics: Product liability. Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
- Product liability, recall and contamination insurance. Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability Coverage: premises, products liability and completed operations; major exclusions including damage to your work, impaired property, sistership liability and failure to perform; Limits of Insurance products and completed operations aggregate; glossary Sistership Liability. Accessed 2026-09-16.
