HUB International vs Relm Insurance: How Do They Compare for Business Insurance?

HUB helps businesses arrange insurance through brokers and agents; reviewed product pages describe brokerage, not HUB as the insurer. Its subsidiaries hold licenses in various US states and Canadian provinces. ^4,5,9Company-reportedBrand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.

Small businesses may reach HUB through its digital Insureon route, acquired in 2022; Insureon and TechInsurance are associated with Specialty Program Group, so the retail account path may differ from HUB’s offices. ^{4,34,35,36,37}Company-reportedCorporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.

AI and emerging-industry buyers can approach Relm for specialty insurance, but its Bermuda insurer and US distributor perform different roles. ^39,41,40Company-reportedBrand-level introduction; company descriptions, not an independent regulatory finding.

Check who will sell and issue your policy: Relm Insurance Ltd. is Bermuda regulated; Relm US Insurance Solutions Inc. is a US producer and MGA. The Bermuda insurer says it works only through licensed brokers. ^40,41Company-reportedCompany legal disclosures and US launch announcement; authority and insurer vary by placement. No regulator license verification completed.

Small accounts meeting HUB’s size guidelines can start an online Insureon quote; other buyers contact a HUB broker or local office. The reviewed site does not offer a public self-serve bind route for mid-market programs. ^{8,11,12,13,10,6}Company-reportedPublic website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.

Relm’s inquiry form collects company and location details; its US offering is distributed through partners and licensed brokers, with no documented instant quote or online bind. ^49,41Company-reportedPublic inquiry and broker-led access; no form submitted and no quotation received.

Ask which insurers will quote your business: HUB says it accesses hundreds but focuses on strategic carriers that may pay enhanced compensation; public pages do not provide a complete panel or identify your issuing insurer. ^{7,19,27,28,16}Company-reportedNo verified HUB-wide carrier panel. Strategic-carrier focus is a compensation and placement practice, not a finding that only those markets are used.

Insureon names Hartford, Chubb, Hiscox, Liberty Mutual and Travelers among 100+ providers, but that list applies to its digital agency and does not establish the insurer for a HUB retail policy. ³⁴Company-reportedInsureon About Us examples only. Availability varies by product, state and underwriting.

Ask which insurer is named on your policy; Relm’s announcement names Trisura as fronting carrier for certain US digital-asset risks, not all products or California AI coverage. ⁴⁸Company-reportedHistorical company announcement inspected on research date; current product-specific contracting insurer must be obtained from quote/declarations.

HUB describes local account teams, claims and certificate tools, and renewal support for benefits; ask which service tier, tools and fees apply to your account. ^16,33,30Company-reportedCompany-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.

Agree on certificates, endorsements, renewal timing and service contacts with your broker before binding; reviewed pages do not describe a customer portal or these turnaround times. ^49,51Not publicly disclosedPublic contact and website terms only; lack of described functions does not establish their absence.

Ask for compensation on your proposal: HUB says it receives insurer commissions, contingent and supplemental payments and sometimes client fees, may use affiliated wholesalers, and may earn administration or data fees; it publishes no standard rates. ⁷Company-reportedFirmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.

Request premium, tax, broker fee and commission details in writing because reviewed Relm pages do not publish buyer-specific California costs. ^40,51,49Not publicly disclosedNo quote, producer agreement or remuneration schedule reviewed; no assertion of zero fees or of a particular compensation model.