Relm vs Simply Business: General Liability Insurance

What Are the Key Differences Between Relm Insurance and Simply Business General Liability Insurance?

Industry fit and access

Relm highlights high-growth, high-risk or regulated fields including cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology; it places general liability through brokers. Simply Business gives examples such as sole proprietors, LLCs, home-based businesses and freelancers and begins with an online quote. A regulated or unusual operation should ask whether the carrier will accept its exact activities before comparing price with a small-business quote. [4] [5]

Exclusions to inspect

Relm says casualty coverage generally excludes employee injuries, professional errors, intentional or criminal acts, and damages from illegal activities. Simply Business says employee injuries are not covered by this line, while its reviewed record does not detail the other exclusions. Ask for each quoted form’s exclusions, especially if the business has employees, provides professional services or works in a regulated field. [4] [5]

What Should You Confirm in Relm Insurance and Simply Business General Liability Insurance Quotes?

• Ask Relm’s broker which insurer and form apply, and how the listed casualty exclusions apply to your regulated operations. [4]
• Ask Simply Business which carrier will quote your industry and request its exclusions for employee injury, professional services and regulated activities. [6] [5]