---
title: "Lockton vs Relm Insurance Product Liability Insurance"
description: "Lockton custom-structures product liability and recall for manufacturers; Relm distributes the line through brokers with cannabis and biotech examples."
canonical: "https://spot.insure/compare/lockton-vs-relm/product-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate Lockton and Relm Insurance for Product Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Lockton brokers product liability with custom global structures and lists product recall beside it. Relm markets the line for insurance brokers to place, highlighting cannabis potency and biotech device risk and listing casualty-wide exclusions. [4](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## 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](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## 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](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [7](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## 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](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [10](https://www.iii.org/fact-statistic/facts-statistics-product-liability "Facts + Statistics: Product liability") [11](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [12](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## What to Confirm in Product Liability Insurance Quotes

- Ask Lockton if a recall-expense placement is part of the same engagement. [4](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- Ask Relm’s broker whether cannabis or biotech appetite applies. [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Confirm Relm’s casualty exclusions on the product-liability form. [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Get issuing insurers from both; neither page names them. [4](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## Offering Details

| 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. [4](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. [8](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..) |
| Issuing Insurer | Neither page names the insurers Lockton places product liability coverage with. [4](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") (Evidence: Not publicly disclosed; scope: General & Product Liability and Casualty pages checked 2026-09-23..) | The reviewed page does not name a specific issuing insurer for product liability placements. [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Not publicly disclosed; scope: 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. [4](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. [8](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. [4](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. [8](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. [8](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..) |
| 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. [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page framing; consistent with Relm's broader broker-distribution model..) |

## Full Comparison

- [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 insurance addresses injury or damage claims involving defective products your business makes, distributes or sells.
- [Lockton vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/lockton-vs-relm/commercial-property)
- [Lockton vs Relm Insurance Crime Insurance](https://spot.insure/compare/lockton-vs-relm/crime)
- [Lockton vs Relm Insurance Cyber Insurance](https://spot.insure/compare/lockton-vs-relm/cyber)
- [Lockton vs Relm Insurance D&O Insurance](https://spot.insure/compare/lockton-vs-relm/directors-officers)
- [Lockton vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-relm/employment-practices)
- [Lockton vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-relm/fiduciary)
- [Lockton vs Relm Insurance General Liability Insurance](https://spot.insure/compare/lockton-vs-relm/general-liability)
- [Alliance Risk vs Lockton Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/product-liability)
- [Alliance Risk vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/product-liability)
- [Amelia Risk vs Lockton Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/product-liability)
- [Amelia Risk vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-relm/product-liability)
- [Beazley vs Lockton Product Liability Insurance](https://spot.insure/compare/beazley-vs-lockton/product-liability)
- [Beazley vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/beazley-vs-relm/product-liability)

## Sources

### Lockton

1. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
2. [Technology](https://global.lockton.com/us/en/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.
3. [US Terms of Business](https://global.lockton.com/us/en/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.
4. [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.
5. [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.

### Relm Insurance

6. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
7. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
8. [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.

### Product Liability Insurance Guide

9. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
10. [Facts + Statistics: Product liability](https://www.iii.org/fact-statistic/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.
11. [Product liability, recall and contamination insurance](https://www.iii.org/article/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.
12. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.

Updated 2026-09-23. 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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