Hub International vs Relm: Inland Marine Insurance

HUB International describes inland marine for property in transit or temporary locations, including exhibits and cargo. Relm Insurance targets goods-moving businesses and offers products such as motor truck cargo and contractors equipment through insurers.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-25

Coverage topics

HUB International

  • role: HUB brokers inland marine insurance through its marine insurance practice, drawing on what it describes as relationships with domestic and international insurance carriers rather than underwriting the coverage itself. Marine product page; neither reviewed page names a specific issuing insurer for inland marine.company-reportedSource ↗
  • coverage: HUB's glossary defines inland marine insurance as domestic coverage that protects business property, such as equipment, machinery or products, while it is transported over land by truck or train, used at a job site, or stored in a warehouse, including specialized items a standard business owner's policy would not cover. Glossary page definition; the issued policy's schedule of covered property and exclusions controls an actual claim.company-reportedSource ↗
  • coverage: HUB lists trade show exhibits, cargo items, sales samples, communication equipment, medical equipment, computer systems and photography equipment as examples of property commonly insured under an inland marine policy. Glossary page property examples; a specific policy's covered-property list is set on the quote and declarations.company-reportedSource ↗
  • coverage: HUB says inland marine policies can cover perils including fire, hail, theft, water damage and wind, plus accidental damage and mysterious disappearance of covered property. Glossary page peril list; coverage for a specific peril depends on the policy form and endorsements.company-reportedSource ↗
  • coverage: HUB's marine practice groups inland marine alongside related marine coverages it arranges, including marine cargo insurance, stock throughput insurance, protection and indemnity, charterers' liability and hull and machinery liability. Marine product page tailored-solutions list; not every listed coverage applies to a given inland marine client.company-reportedSource ↗
  • limits: HUB says most inland marine policies carry a deductible and a stated coverage limit, and warns that claiming a loss beyond the policy's coverage limit can lead to penalties, but the reviewed pages do not publish specific deductible or limit amounts. Glossary page policy-structure description; actual deductibles and limits are set on the quote and declarations.company-reportedSource ↗
  • application: HUB's marine page directs prospective clients to "Connect With a Broker" or contact a HUB marine insurance specialist rather than an online quote or bind flow. Marine product page call-to-action text.company-reportedSource ↗

Relm Insurance

  • role: Relm markets Inland Marine Insurance as a distinct line from commercial property on the same page, describing it as a crucial add-on since traditional property coverage often excludes risks to assets on the move. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.company-reportedSource ↗
  • eligibility: Relm targets businesses that move materials between sites, ship products, or work remotely on client property, specifically naming tech or medical companies transporting delicate high-value equipment, manufacturers with prototypes in transit, and construction firms with equipment on the move. Property/marine page 'Who Needs Inland Marine Insurance?' section; not a guarantee of eligibility for a particular company.company-reportedSource ↗
  • coverage: Relm says inland marine covers goods in transit over land, tools and machinery in use at job sites, and bailee's goods in the client's custody, distinct from ocean marine coverage for goods transported by sea. Property/marine page 'What is Inland Marine Insurance?' section; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Relm lists specific inland marine product examples: instrument and equipment floaters for delicate or high-value tools, motor truck cargo coverage, installation floaters for components being installed at customer sites, bailee's customer goods coverage, and exhibition floaters for trade-show shipments. Property/marine page 'Common inland marine examples' list.company-reportedSource ↗
  • insurer: The reviewed page does not name a specific issuing insurer for inland marine placements. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.not-disclosedSource ↗
  • application: Relm sells inland marine coverage through insurance brokers; its reviewed pages do not describe a direct online quote. Property/marine page framing; consistent with Relm's broader broker-distribution model.company-reportedSource ↗

What Are the Key Differences Between HUB International and Relm Insurance Inland Marine Insurance?

Marine Desk or Named Floaters

HUB connects buyers to its marine practice, which also handles cargo, stock throughput, P&I and hull. Relm names installation, bailee, exhibition and motor truck cargo floaters for brokers to place. Choose HUB if you need help across multiple marine lines; choose Relm if a specific floater fits your property or shipment. [3] [5]

Floaters Relm Names Versus HUB’s Marine Menu

Relm lists instrument and equipment floaters, motor truck cargo, installation floaters for components at customer sites, bailee’s customer-goods cover and exhibition floaters. HUB’s marine practice lists cargo, stock throughput, protection and indemnity, charterers’ liability and hull and machinery alongside inland marine, a wider marine menu than Relm’s land-focused floater list. [5] [3]

How Each Describes Movable Property

HUB’s glossary says inland marine can follow equipment, machinery or products over land, at a job site or in a warehouse, including fire, hail, theft, water, wind, accidental damage and mysterious disappearance. Relm separates inland marine from ocean marine and says it covers goods in transit over land, tools and machinery at job sites, and bailee’s goods in the client’s custody. [2] [5]

Audiences Named on Relm’s Page

Relm names tech or medical companies moving delicate equipment, manufacturers with prototypes in transit, and construction firms with equipment on the move. HUB’s reviewed inland marine sources do not publish that industry list; they send you to connect with a marine specialist. [5] [3]

What Should You Confirm in HUB International and Relm Insurance Inland Marine Insurance Quotes?

  • Get the issuing carrier from both: Relm’s page does not name one, and HUB’s placement will vary. [5] [3]
  • Ask Relm whether the quote is an installation, bailee, exhibition or cargo floater, or a combined schedule. [5]
  • Ask HUB whether stock throughput or ocean cargo is being proposed with inland marine. [3]
  • Confirm which perils apply; HUB’s glossary lists several, while Relm’s page does not itemize perils the same way. [2] [5]

You fit HUB if you need a marine specialist who can also place cargo, P&I or hull. You fit Relm if a named floater—installation, bailee goods or an exhibition shipment—is the product your broker should market.

Source material

  1. 01
    Commercial Insurance Guide

    California Department of Insurance · Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery · accessed 2026-09-16

  2. 02
    Inland Marine Insurance Definition

    HUB International · Definition; covered property types (trade show exhibits, cargo items, sales samples, communication equipment, medical equipment, computer systems, photography equipment); covered perils; deductible and coverage-limit explanation · accessed 2026-09-23

  3. 03
    Marine Insurance Broker Policy & Coverage

    HUB International · Navigate the Changing Landscape: strong relationships with domestic and international insurance carriers; Tailored Solutions list including Marine Cargo Insurance, Stock Throughput Insurance, Protection & Indemnity, Charterers' Liability, Hull & Machinery Liability; Connect With a Broker call to action · accessed 2026-09-23

  4. 04
    Inland Marine Policy: Contractors’ Equipment

    Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services · PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34 · accessed 2026-09-16

  5. 05
    Commercial Property and Inland Marine Insurance

    Relm Insurance · What is Inland Marine Insurance?; Common inland marine examples; Who Needs Inland Marine Insurance? · accessed 2026-09-23

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