---
title: "Lockton vs Relm Insurance: Product Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/lockton-vs-relm/product-liability"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-relm"
provider-a: "lockton"
provider-b: "relm"
coverage-line: "product-liability"
---

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[Human-readable page](https://spot.insure/compare/lockton-vs-relm/product-liability)

## Agent Guide

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

**Key facts:**
- Line: Product Liability Insurance. Providers: Lockton 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:**
- [Lockton vs Relm Insurance](https://spot.insure/compare/lockton-vs-relm) — all coverage lines for this pair
- [Product Liability Insurance guide](https://spot.insure/coverage/product-liability) — how this coverage works
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile

# 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 offers manufacturers custom product-liability and recall placements; Relm gives brokers product-liability options for cannabis and biotech risks.

## Lockton vs Relm Insurance Product Liability Insurance Summary

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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### 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](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") [1](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- Ask your broker whether Relm will consider your cannabis or biotech product. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Compare Relm’s listed exclusions with the exclusions in Lockton’s proposed policy form. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") [1](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- Request limits, deductibles and exclusions from both placements in writing. [1](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## Lockton vs Relm Insurance Product Liability Insurance Compared

| 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. [1](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: 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. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: 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. [1](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: 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. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page 'What is Product Liability Insurance?' section; the issued policy and declarations control..)<br><br>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. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: 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. [1](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: 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. [3](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 Lockton and Relm Insurance and Product Liability Insurance

- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews)
- [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability)

## Related Pages for Lockton vs Relm Insurance Product Liability

- [Lockton vs Relm Insurance](https://spot.insure/compare/lockton-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability): Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property; recall costs need a separate check.
- [Lockton Product Liability Insurance](https://spot.insure/insurance-providers/lockton/product-liability)
- [Relm Insurance Product Liability Insurance](https://spot.insure/insurance-providers/relm/product-liability)

## Sources for Lockton vs Relm Insurance Product Liability Insurance

### Sources About Lockton

1. [US > General & Product Liability](https://global.lockton.com/us/en/products-services/general-product). 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.
2. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation. Accessed 2026-09-23.

### Sources About Relm Insurance

3. [Casualty Insurance](https://relminsurance.com/lines-of-business/casualty-insurance/). Relm Insurance; What is Product Liability Insurance?; Who Needs Casualty Insurance? (Cannabis and Biotech examples). 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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