What Are the Key Differences Between Chubb and Relm Insurance General Liability Insurance?
Mainstream Classes vs Hard-to-Place Industries
Chubb writes general liability for small businesses across more than 500 classes, including technology, healthcare, retail and manufacturing. [2] Relm aims at companies many insurers avoid: cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology. [8] Choose Chubb if you run an ordinary office, shop or plant under $30 million in revenue; choose Relm if your industry is regulated or high-risk and has struggled to find coverage.
Bundled Package vs Broker-Placed Policy
With Chubb you don't buy general liability alone. It comes inside a BOP, Benchmarq or Customarq package, or in GL Plus with pollution coverage, and you can request a quote online or through an appointed agent. [2] [3] Relm sells general liability only through insurance brokers and shows no direct online quote, so you'll need a broker to get a price. [8]
Pollution Add-Ons vs Standard Exclusions
Chubb's GL Plus adds products and premises pollution liability, which matters if you handle materials that could leak or contaminate. [3] Relm's page lists what its casualty coverage leaves out: employee injuries, professional errors, and intentional, criminal or illegal acts. [8]
What Should You Confirm in Chubb and Relm Insurance General Liability Insurance Quotes?
- Ask your broker which insurer will issue a Relm policy; Relm's page doesn't name one. [8]
- Ask how Relm applies its illegal-activities exclusion to a cannabis or psychedelics business. [8]
- Get the per-occurrence and aggregate limits in writing from both; neither publishes them. [2]
- Ask Chubb which package fits your class and whether you need GL Plus pollution coverage. [3]