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

The Hartford markets general liability stand-alone or inside a Business Owner's Policy and reports average premiums of about $810 a year; Relm Insurance sells it through insurance brokers, highlighting cannabis, biotech and aerospace and defense.

Relm's reviewed page ties general liability to regulated fields such as cannabis and aerospace, while The Hartford underwrites the policy directly and names professions like architects, photographers and gym owners as its target buyers. ^1,²

What Are the Key Differences Between Relm Insurance and The Hartford General Liability Insurance?

Who Each Is Built For

Relm's reviewed page highlights companies in cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology, tying general liability to lease and contract requirements in those regulated fields. ¹ The Hartford instead names specific professions it markets to for this line, including architects, engineers, photographers, hair salons, gym owners and interior designers:

The Hartford markets GL coverage to businesses that meet clients face-to-face, work on or with client property, use third-party locations, or advertise, and names specific professions it targets, including architects, engineers, photographers, hair salons, gym owners, interior designers, technology companies, landscapers and real estate agents. ²Company-reported. General liability product page as read 2026-09-23.

Who Carries the Risk

Relm's reviewed pages describe distribution only through insurance brokers and do not name a specific issuing insurer for this line. ¹ The Hartford's page presents itself as the party offering the policy directly, either standalone or bundled into a Business Owner's Policy. ²

What the Base Policy Covers

Relm's coverage description names specific personal and advertising injury scenarios, including false arrest, malicious prosecution and copyright infringement. ¹ The Hartford's list separately names copyright infringement in advertising and products-completed operations claims, and treats product recall as an endorsement rather than a base feature. ²

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

Ask Relm's broker for the specific issuing insurer and jurisdiction for your placement. ¹
Ask The Hartford whether product recall is included or needs a separate endorsement. ²
If your business falls outside The Hartford's named professions, ask whether it still fits The Hartford's appetite for this line. ²
Ask how a claim is filed on each policy; The Hartford publishes a 24/7 claims phone line for this line, and Relm's broker can confirm the notice process for a specific placement. ³

Relm Insurance vs The Hartford General Liability Insurance Compared

Relm Insurance vs The Hartford: General Liability Insurance: documented features by provider

Criteria	Relm General Liability Insurance	The Hartford General Liability Insurance
Who It’s For	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. ¹Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.	The Hartford markets GL coverage to businesses that meet clients face-to-face, work on or with client property, use third-party locations, or advertise, and names specific professions it targets, including architects, engineers, photographers, hair salons, gym owners, interior designers, technology companies, landscapers and real estate agents. ²Company-reported. General liability product page as read 2026-09-23.
Coverage Features	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. ¹Company-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. ¹Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not GLI-specific exclusions only.	The Hartford lists key coverages under its GL policy: bodily injury, property damage, personal and advertising injury (like libel or false advertising claims), legal fees/judgments/settlements, copyright infringement in advertising, products-completed operations (claims after a job is finished), and medical payments for minor injuries regardless of fault. Product liability coverage is included as part of the GL policy, while product recall is available only as an endorsement. ²Company-reported. General liability product page as read 2026-09-23. Coverage descriptions are general; the issued policy controls.
Role in This Line	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. ¹Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.	The Hartford's general liability insurance (GLI), also called commercial general liability (CGL), helps protect small businesses from third-party claims of bodily injury or property damage. It can be bought as a stand-alone policy or bundled into a Business Owner's Policy. ²Company-reported. General liability product page as read 2026-09-23.

Criteria

Relm General Liability Insurance

The Hartford General Liability Insurance

Who It’s For

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. ¹Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.

Coverage Features

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

The Hartford lists key coverages under its GL policy: bodily injury, property damage, personal and advertising injury (like libel or false advertising claims), legal fees/judgments/settlements, copyright infringement in advertising, products-completed operations (claims after a job is finished), and medical payments for minor injuries regardless of fault. Product liability coverage is included as part of the GL policy, while product recall is available only as an endorsement. ²Company-reported. General liability product page as read 2026-09-23. Coverage descriptions are general; the issued policy controls.

Role in This Line

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

The Hartford's general liability insurance (GLI), also called commercial general liability (CGL), helps protect small businesses from third-party claims of bodily injury or property damage. It can be bought as a stand-alone policy or bundled into a Business Owner's Policy. ²Company-reported. General liability product page as read 2026-09-23.