What Are the Key Differences Between Lockton and Relm Insurance General Liability Insurance?
Which Businesses Each Brokerage Names
Lockton's general liability solution names global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. [5] Relm instead points to companies in high-growth, high-risk or heavily regulated fields, naming cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology, and says coverage is often required by leases and by enterprise or government contracts. [6] Both brokerages describe an industry-driven appetite, but Relm's list leans toward specialty and regulated risk while Lockton's spans conventional commercial sectors.
What the Base Coverage Answers
Lockton frames general liability through the adjacent specialty lines it can bundle with it, such as environmental impairment and product recall, rather than describing the base insuring agreement. [5] Relm instead describes the base coverage directly: third-party bodily injury, third-party property damage, and personal and advertising injury claims such as libel, slander, false arrest and copyright infringement. [6]
How You Reach Either Brokerage
Lockton's pages describe placement through a dedicated service team rather than a public quote form. [4] Relm sells general liability coverage through insurance brokers as well, and its reviewed pages do not describe a direct online quote either. [6] Neither publishes a named insurer or specific limits for the line.
What Should You Confirm in Lockton and Relm Insurance General Liability Insurance Quotes?
- Ask Lockton which insurers it can access for your specific industry; its reviewed pages do not name a carrier. [5]
- Ask Relm the same question, since its casualty page also does not identify an issuing insurer. [6]
- If your business is in a regulated field like cannabis or biotech, ask Relm which exclusions apply beyond the general ones it lists for employee injuries and professional errors. [6]
- Ask each brokerage for actual limit and retention options, since neither reviewed page publishes them for this line.