---
title: "Embroker vs Relm Insurance"
description: "Compare Embroker’s AI endorsement and management-suite transition with Relm’s separate AI products."
canonical: "https://spot.insure/compare/embroker-vs-relm"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Embroker", "Relm Insurance"]
---

[Human-readable page](https://spot.insure/compare/embroker-vs-relm)

# Embroker vs Relm Insurance

Compare Embroker’s AI endorsement and management-suite transition with Relm’s separate AI products.

## Research Scope and Use

Use this comparison to evaluate Embroker and Relm Insurance against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Embroker is a brokerage and program platform with a management suite and an AI endorsement for eligible technology coverage. Relm markets separate AI developer, excess-wrap and first-party response products. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [18](https://www.embroker.com/blog/embroker-launches-ai-coverage/ "Embroker’s AI Coverage") [32](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")



## Introduction

An Embroker customer adding an AI feature faces a version question before a price question: does the proposed AI protection attach to the existing program, a new management-suite quote, or a separate policy? Embroker distributes proprietary programs and brokerage placements. Relm offers distinct AI developer, wrap and operational-loss products through a broker-led route. [10](https://access.embroker.com/ "Embroker Access") [2](https://www.embroker.com/terms/ "Terms And Conditions") [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [32](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

## Documented Provider Strengths

### Embroker

- Its Management Insurance Suite brings several management coverages into one application, with technology E&O/cyber for eligible technology businesses. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: 19 August 2026 launch, new-business product. Company report of structure, not policy wording or proof of same-session binding.; verified: 2026-09-15.)
- Separate technology and law-firm packages group coverage around those businesses’ activities, subject to the offered policy terms. [17](https://www.embroker.com/non-funded-tech-companies/ "Insurance For Technology Companies") [16](https://www.embroker.com/law/ "Law Firm Insurance Package") (Evidence: Company-reported; scope: Current direct industry tabs. Optional hired/non-owned auto is not counted as a standalone coverage line.; verified: 2026-09-15.)

### Relm Insurance

- Cyber and technology E&O designed for AI developers [33](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers") [32](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") (Evidence: Company-reported; scope: AI-specific cyber/technology E&O marketing; no reviewed California policy form.; verified: 2026-09-16.)
- First-party cover for third-party AI failures [35](https://relminsurance.com/rescaai-solution-innovative-insurance-for-ai-exposed-operations/ "Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations") (Evidence: Company-reported; scope: First-party means the insured business’s own loss; no separate unrestricted product-recall offering inferred.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Embroker | Relm Insurance |
| --- | --- | --- |
| Business owner’s policy | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed |
| Commercial auto | Listed [21](https://www.embroker.com/coverage/commercial-auto-insurance/ "Commercial Auto Insurance") | Not listed |
| Commercial property | Listed [22](https://www.embroker.com/coverage/commercial-property-insurance/ "Commercial Property Insurance") | Listed [30](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Crime | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [30](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Cyber liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [30](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Digital assets | Not listed | Listed [30](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Directors and officers | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [30](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Employment practices liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [30](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Fiduciary liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [30](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| General liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [30](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Generative AI liability | Not listed | Listed [33](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers") [32](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") |
| Key person | Listed [20](https://www.embroker.com/coverage/key-person-insurance/ "Key Person Insurance") | Not listed |
| Kidnap and ransom | Not listed | Listed [30](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Management liability | Listed [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") | Not listed |
| Media liability | Not listed | Listed [30](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Product liability | Listed [24](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance") | Listed [30](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Professional liability / E&O | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") | Listed [30](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Surety bonds | Listed [23](https://www.embroker.com/coverage/surety-bonds/ "Surety Bonds") | Listed [30](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Technology errors and omissions | Listed [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") | Listed [30](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Tools, equipment and inland marine | Not listed | Listed [30](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Umbrella and excess liability | Listed [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") | Listed [30](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Venture capital asset protection | Listed [25](https://www.embroker.com/venture-capital-private-equity-firms/ "Insurance For Venture Capital And Private Equity Firms") | Not listed |
| Workers’ compensation | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Embroker and Relm Insurance

### An Endorsement During a Program Transition

Embroker’s EMIS launch lets buyers select management coverages and eligible technology E&O/cyber through one application. Existing customers may renew legacy products, while switching to EMIS requires a new-business application. Its separate AI announcement references the Startup Program, so do not assume that every EMIS or legacy quote includes that endorsement. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [18](https://www.embroker.com/blog/embroker-launches-ai-coverage/ "Embroker’s AI Coverage")

Relm’s NOVAAI is described as cyber and technology E&O for AI platforms and developers, with PONTAAI and RESCAAI serving different purposes. Compare the actual Embroker endorsement against NOVAAI if replacing developer protection; ask about a wrap or dependency policy only after identifying the remaining exposure. [33](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers") [34](https://relminsurance.com/relms-pontaai-solution-ai-insurance-coverage-beyond-existing-liability-programs/ "Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs") [35](https://relminsurance.com/rescaai-solution-innovative-insurance-for-ai-exposed-operations/ "Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations")

### IP and Extra Limits Need Form-Level Answers

Embroker’s retail technology page describes IP-related exclusions while its broker page advertises software-code infringement coverage. Its AI endorsement announcement also describes algorithm-removal expenses. These statements cannot be collapsed into blanket IP protection. Relm’s generated-content and IP descriptions likewise require the proposed definitions and exclusions. A useful test is the same alleged training-data or output infringement under both offers. [12](https://www.embroker.com/coverage/tech-errors-omissions/ "Technology Errors And Omissions / Cyber") [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") [18](https://www.embroker.com/blog/embroker-launches-ai-coverage/ "Embroker’s AI Coverage") [33](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers")

Embroker’s retail FAQ says its excess product cannot sit above an Embroker primary policy. Relm’s PONTAAI is an excess difference-in-conditions wrap, not automatically a solution to that restriction. Confirm compatibility, attachment and which losses remain with the primary insurer before counting its limit as additional protection. [12](https://www.embroker.com/coverage/tech-errors-omissions/ "Technology Errors And Omissions / Cyber") [34](https://relminsurance.com/relms-pontaai-solution-ai-insurance-coverage-beyond-existing-liability-programs/ "Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs")

### Keep Renewal Access Separate from Insurer Identity

Embroker names Everspan for EMIS, but that relationship does not apply to every brokerage product. Relm’s California AI issuer and route remain unresolved in its reviewed sources. Changing the broker also deserves scrutiny: Embroker warns that a replacement broker outside Access may be unable to renew proprietary products. Preserve continuity before moving service responsibilities. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [4](https://www.embroker.com/faq/ "Insurance FAQ") [28](https://relminsurance.com/legal-information/ "Legal Information") [29](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA")

## What to Confirm in Quotes

- Identify the Embroker program edition, AI endorsement and algorithm-removal sublimit, then compare the same insured services and loss scenarios with NOVAAI. [18](https://www.embroker.com/blog/embroker-launches-ai-coverage/ "Embroker’s AI Coverage") [33](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers")
- Resolve the public IP-description difference using the actual form; establish whether any proposed wrap fills a named gap. [12](https://www.embroker.com/coverage/tech-errors-omissions/ "Technology Errors And Omissions / Cyber") [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") [34](https://relminsurance.com/relms-pontaai-solution-ai-insurance-coverage-beyond-existing-liability-programs/ "Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs")
- Record renewal access, prior-work dates, the California issuer and who services each layer before changing either policy or broker. [4](https://www.embroker.com/faq/ "Insurance FAQ") [28](https://relminsurance.com/legal-information/ "Legal Information")



## Service Comparison

Embroker vs Relm Insurance: documented services and availability.

| Criteria | Embroker | Relm Insurance |
| --- | --- | --- |
| Application process | The public quote-start screen asks for a company name and whether the company has a website. It links the terms and compensation disclosure before continuing. [26](https://app.embroker.com/signup "Start An Embroker Quote") (Evidence: Company-reported; scope: Read-only Chrome observation of https://app.embroker.com/signup on 15 September 2026; no data entered, Continue not clicked, no account created.; verified: 2026-09-15.)<br><br>An account alone does not appoint Embroker as your broker. Using its brokerage service requires a broker- or agent-of-record designation and exclusive work with Embroker for those services unless otherwise agreed. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §2A; distinction between software access and brokerage engagement, not an interpretation of enforceability.; verified: 2026-09-15.)<br><br>An application may need additional underwriting information or be declined; a quote itself does not put insurance in force. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §13. No quote or binding transaction performed.; verified: 2026-09-15.) | Relm provides an inquiry form requesting contact details, company name and location. Its US launch describes access through distribution partners, and the website states that Relm Insurance Ltd. deals through licensed brokers. The reviewed pages do not establish instant quoting or online binding. [37](https://relminsurance.com/contact/ "Contact") [29](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") (Evidence: Company-reported; scope: Public inquiry and broker-led access; no form submitted and no quotation received.; verified: 2026-09-16.) |
| Access to insurers | Embroker names Everspan Indemnity Insurance Company as the insurer for EMIS and its excess Tech E&O/Cyber program. Its lawyers’ professional liability program names Everest National Insurance Company. These are product-specific relationships, not one carrier for the entire catalogue. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") (Evidence: Company-reported; scope: Current program marketing and LPL specimen; financial-strength ratings and admission status not independently checked, so no rating assigned here.; verified: 2026-09-15.) | Relm’s fronting announcement names Trisura Specialty Insurance Company in connection with US digital-asset risks, including D&O, cyber, technology E&O and crime. A fronting insurer issues the policy while another insurer supplies risk capacity. This announcement does not establish Trisura as the issuer of every Relm product or of a California AI policy. [36](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/ "Relm Announces Fronting Partnership with Trisura Specialty Insurance Company") (Evidence: Company-reported; scope: Historical company announcement inspected on research date; current product-specific contracting insurer must be obtained from quote/declarations.; verified: 2026-09-16.) |
| Availability | Embroker publishes license numbers for all 50 states and Washington, D.C. That company list is not a product-availability map. Its terms make eligibility dependent on location and risk; this research did not independently verify the complete license list. [5](https://www.embroker.com/licenses/ "Published License List") [2](https://www.embroker.com/terms/ "Terms And Conditions") [6](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch "California License Number Search") (Evidence: Company-reported; scope: Company state list checked; CDI query for California 0K44291 failed CAPTCHA. No producer or insurer license status asserted independently. No state-by-product availability matrix found.; verified: 2026-09-15.) | Relm’s legal page lists California insurance producer license 6013054 for Relm US Insurance Solutions Inc. This is company-reported and was not independently verified in a regulator record; that row does not list a California surplus-lines license. [28](https://relminsurance.com/legal-information/ "Legal Information") (Evidence: Company-reported; scope: California row only; absence of a listed surplus-lines authority is not evidence that no lawful distribution route exists.; verified: 2026-09-16.)<br><br>The reviewed AI product, US MGA and legal pages do not establish the issuing insurer, admitted or surplus-lines status, or placing broker for a California NOVAAI, PONTAAI or RESCAAI policy. California product availability remains to be confirmed for the applicant. [28](https://relminsurance.com/legal-information/ "Legal Information") [29](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [32](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") (Evidence: Not found in reviewed sources; scope: Scoped unresolved California AI placement route, not a finding of unavailability. US marketing and producer licensing alone do not establish a particular policy route.; verified: 2026-09-16.) |
| Servicing and renewals | EMIS replaces the two previous management-liability offerings for new customers. Embroker says existing policyholders can continue renewing their legacy products; switching to EMIS requires a new-business application. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: Launch announcement’s stated transition rules as of research date; not a renewal guarantee.; verified: 2026-09-15.)<br><br>The FAQ describes downloadable policies and certificates for accounts where Embroker is the broker of record. Custom certificate wording may require a policy endorsement first. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Other insurance services; payment/down-payment conditions apply to first-time certificate access. Not independently tested in an authenticated account.; verified: 2026-09-15.)<br><br>Renewals vary: some policies renew through the insurer, while others need a fresh application and underwriting. Embroker describes reviewing the proposal, accepting it and paying or arranging financing; the new policy’s effective date controls when the renewal begins. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Renewals. No automatic-renewal promise across all products and no tested service response time.; verified: 2026-09-15.)<br><br>If you move to another broker, Embroker says you lose account-based certificate issuance and policy-change functions. A replacement broker outside Embroker Access may also be unable to renew proprietary products. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Engaging Embroker, What happens if I leave Embroker in the future? Not a finding that existing insurance cancels automatically on a broker change.; verified: 2026-09-15.) | The reviewed contact and terms pages provide general-inquiry and complaint channels but do not explain a customer self-service portal, certificate turnaround, endorsement process or renewal timetable. Ask which tasks your broker, the MGA and the issuing insurer will handle. [37](https://relminsurance.com/contact/ "Contact") [39](https://relminsurance.com/terms-and-conditions/ "Terms & Conditions") (Evidence: Not publicly disclosed; scope: Public contact and website terms only; lack of described functions does not establish their absence.; verified: 2026-09-16.) |

## Related Reading

- [What Is Embroker?](https://spot.insure/insurance-providers/embroker)
- [What Is Relm Insurance?](https://spot.insure/insurance-providers/relm)

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- [Relm Insurance vs StartupInsurance.ai](https://spot.insure/compare/relm-vs-startupinsurance)
- [Relm Insurance vs TechInsurance](https://spot.insure/compare/relm-vs-techinsurance)
- [Relm vs The Hartford](https://spot.insure/compare/relm-vs-the-hartford)
- [Relm Insurance vs Travelers Insurance](https://spot.insure/compare/relm-vs-travelers)
- [Relm vs USI](https://spot.insure/compare/relm-vs-usi)
- [Relm Insurance vs Vouch](https://spot.insure/compare/relm-vs-vouch)
- [Relm Insurance vs WithCoverage](https://spot.insure/compare/relm-vs-withcoverage)

## Sources

### [Embroker Official Website](https://www.embroker.com/)

1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
3. [Compensation Disclosure](https://www.embroker.com/disclosure/). Embroker; Commissions (including contingent and supplemental); Client fees; Other benefits or compensation. Accessed 2026-09-15.
4. [Insurance FAQ](https://www.embroker.com/faq/). Embroker; Engaging Embroker: leaving and transferring policies; Applying for insurance; Renewals; Other insurance services: specimen policies, certificates and policy documents. Accessed 2026-09-15.
5. [Published License List](https://www.embroker.com/licenses/). Embroker; AK–WY list, including DC; California 0K44291. Company list, not an independently checked national license register. Accessed 2026-09-15.
6. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Query 0K44291 on 15 September 2026 returned “Captcha validation failed.” No individual license result obtained. Accessed 2026-09-15.
7. [Embroker Insurance Services LLC — Entity Record](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC.). Florida Department of State, Division of Corporations; Document M15000008735; foreign LLC, Delaware; Authorized Member: Embroker, Inc.; 2026 annual report filed 20 January 2026. Corporate registration, not an insurance license. Accessed 2026-09-15.
8. [Business Insurance Coverage Options](https://www.embroker.com/coverage/). Embroker; Individual coverages; industry packages; invitation to seek other policies through Embroker. Accessed 2026-09-15.
9. [Embroker Launches EMIS](https://www.embroker.com/blog/embroker-launches-emis/). Embroker; 19 August 2026 announcement; What’s changing; four coverages; legacy renewals versus new business; Availability; About Embroker names Everspan Indemnity Insurance Company. Accessed 2026-09-15.
10. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
11. [Tech E&O / Cyber — Broker Program](https://access.embroker.com/for-brokers/tech-eo-cyber/). Embroker; Appetite; revenue and multifactor requirements; excluded industries; Coverage Highlights and software code infringement. Accessed 2026-09-15.
12. [Technology Errors And Omissions / Cyber](https://www.embroker.com/coverage/tech-errors-omissions/). Embroker; What’s not included: copyright, libel and intellectual property; FAQ: additional coverages and excess coverage cannot be written over an Embroker primary policy. Accessed 2026-09-15.
13. [Excess Tech E&O / Cyber](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/). Embroker; At a Glance; Appetite; underlying Tech E&O requirement; Everspan underwriting statement; ineligible industries; documents required to quote. Accessed 2026-09-15.
14. [Lawyers Professional Liability — Broker Program](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/). Embroker; Appetite: 1–25 attorneys, claims-free and no discipline; Everest National; coverage highlights and defense cost features. Accessed 2026-09-15.
15. [Everest Elevation Lawyers Professional Liability — Specimen](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf). Everest National Insurance Company (hosted by Embroker); PDF pp. 2–3: declarations LPL-CWF001A-1 0319 name Everest National and Embroker Insurance Services LLC; PDF p. 5: LPL-CWF100A-1 0319 warning and §I, claims-made/reporting/retroactive date; PDF p. 4 lists state amendments as TBD. Accessed 2026-09-15.
16. [Law Firm Insurance Package](https://www.embroker.com/law/). Embroker; Comprehensive coverage for law firms: Lawyers Professional Liability, Cyber, Business Owners Policy and Workers Compensation tabs. Accessed 2026-09-15.
17. [Insurance For Technology Companies](https://www.embroker.com/non-funded-tech-companies/). Embroker; Technology Package: Tech E&O/Cyber and BOP; Plus-only fraud, bricking and utility features; optional hired/non-owned auto under BOP. Accessed 2026-09-15.
18. [Embroker’s AI Coverage](https://www.embroker.com/blog/embroker-launches-ai-coverage/). Embroker; Article displays 26 May 2026 publication and 5 August 2025 endorsement effective date; What’s included; algorithm removal expenses up to $150,000; qualifying Technology E&O/Cyber quotes. Not the endorsement wording. Accessed 2026-09-15.
19. [Claims](https://www.embroker.com/claims/). Embroker; How it works: account Claims tab, confirmation and review; FAQ: active cyber events use policy hotline, other claims use insurer contacts; no fixed resolution time. Accessed 2026-09-15.
20. [Key Person Insurance](https://www.embroker.com/coverage/key-person-insurance/). Embroker; Opening offer of life insurance for an executive, founder or other critical employee with concierge service; public inquiry form (not submitted). Accessed 2026-09-15.
21. [Commercial Auto Insurance](https://www.embroker.com/coverage/commercial-auto-insurance/). Embroker; Opening Embroker service offer; Who Is It For? invitation to obtain a commercial auto quote. Educational coverage examples not adopted as policy promises. Accessed 2026-09-15.
22. [Commercial Property Insurance](https://www.embroker.com/coverage/commercial-property-insurance/). Embroker; Opening Embroker service offer; Who Is It For? invitation to obtain a property quote. Educational examples do not establish flood/earthquake or other entitlements. Accessed 2026-09-15.
23. [Surety Bonds](https://www.embroker.com/coverage/surety-bonds/). Embroker; Opening statement that Embroker helps obtain surety bonds; construction bond discussion. No insurer or specific bond terms established. Accessed 2026-09-15.
24. [Product Liability Insurance](https://www.embroker.com/coverage/product-liability-insurance/). Embroker; Product-specific Get a Quote; Why Get It With Embroker? customized product liability offering. Recall-related educational text not treated as a separate product-recall offering. Accessed 2026-09-15.
25. [Insurance For Venture Capital And Private Equity Firms](https://www.embroker.com/venture-capital-private-equity-firms/). Embroker; Insurance simplified for VC & private equity firms: VCAP offering, growth-practice brokers and platform service. Accessed 2026-09-15.
26. [Start An Embroker Quote](https://app.embroker.com/signup). Embroker; Public first screen: company name, optional website question, linked terms/disclosure and Continue; viewed without entering information or advancing. Accessed 2026-09-15.

### [Relm Insurance Official Website](https://relminsurance.com/)

27. [Artificial Intelligence Insurance](https://relminsurance.com/industry/artificial-intelligence-insurance/). Relm Insurance; Introduction; Artificial Intelligence Insurance Risks; footer. Accessed 2026-09-16.
28. [Legal Information](https://relminsurance.com/legal-information/). Relm Insurance; Bermuda License; US Licenses, California row; footer jurisdiction restriction. Accessed 2026-09-16.
29. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
30. [Lines of Business](https://relminsurance.com/lines-of-business/). Relm Insurance; Financial Lines through Specialty Lines; individual offering lists. Accessed 2026-09-16.
31. [Tailored Industry Insurance Products](https://relminsurance.com/insurance-products/). Relm Insurance; Artificial Intelligence; Digital Asset & Web3; Fintech; Space. Accessed 2026-09-16.
32. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
33. [Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/). Relm Insurance; Introduction; Understanding the New AI Liability Risks for AI Developers. Accessed 2026-09-16.
34. [Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs](https://relminsurance.com/relms-pontaai-solution-ai-insurance-coverage-beyond-existing-liability-programs/). Relm Insurance; Opening product definition; Specific Shortcomings; Key features. Accessed 2026-09-16.
35. [Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations](https://relminsurance.com/rescaai-solution-innovative-insurance-for-ai-exposed-operations/). Relm Insurance; RESCAAI: Insurance Coverage Designed for Operational Risks; four coverage areas. Accessed 2026-09-16.
36. [Relm Announces Fronting Partnership with Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/). Relm Insurance; Title; opening fronting-agreement paragraph; About Trisura Group. Accessed 2026-09-16.
37. [Contact](https://relminsurance.com/contact/). Relm Insurance; Get in Touch form; footer broker and coverage restrictions. Accessed 2026-09-16.
38. [Claims](https://relminsurance.com/claims/). Relm Insurance; Experienced Claims Team; Accessible; illustrative claims scenarios. Accessed 2026-09-16.
39. [Terms & Conditions](https://relminsurance.com/terms-and-conditions/). Relm Insurance; Website terms; Contact Details: General Inquiries, Claims, Global Claims Response, US Claims Response, Complaints. Accessed 2026-09-16.
40. [Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Executives](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/). Relm Insurance; Opening product announcement; Comprehensive Protection with Immediate Response. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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