Relm Insurance vs RiskCube

Relm Insurance is a specialty insurance business serving emerging industries, including artificial intelligence. Its Bermuda insurer and US distribution operation have distinct roles. ^1,3,2

Relm identifies Relm Insurance Ltd. as its Bermuda-regulated insurer and Relm US Insurance Solutions Inc. as a US licensed producer. It describes its US operation as a managing general agent (MGA), an intermediary with delegated insurance authority. The Bermuda entity says it deals only through appropriately licensed brokers. ^2,3

RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC. Its parent, RiskCube, Inc., supplies the platform and operational support; third-party insurers issue coverage. ^18,17

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. ^11,3

RiskCube describes one digital intake followed by AI-assisted and broker-reviewed quote comparison and digital purchase. The public application URL reviewed displayed a contact form rather than a complete underwriting flow. ^15,25

For technology E&O, RiskCube asks for product, customer, revenue and contract details, plus prior claims or known incidents. It qualifies its advertised quote timing by risk profile and underwriting complexity. ²¹

RiskCube’s terms say quotes are not binders: written confirmation from the insurer or its authorized representative and required conditions must be satisfied before coverage is bound. ¹⁸

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. ¹⁰

RiskCube says it compares multiple insurers. Its terms permit placements through surplus-lines channels; the reviewed legal disclosures and catalogue do not identify the issuing insurer for a specific California applicant. ^15,18,17,19

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. ^11,13

RiskCube describes platform access for policy management, certificate generation and renewal notifications. A certificate does not change coverage under its terms. ^15,18

RiskCube says it reviews vendor insurance requirements and checks requested endorsements, including additional insured and waiver-of-subrogation language. Its terms warn that AI-assisted output can be incomplete or inaccurate. ^20,18

The reviewed legal, terms and inquiry pages do not disclose buyer-specific broker fees, commission rates, minimum premiums or total California placement costs. Obtain the premium, fees and applicable taxes separately in a written quote. ^2,13,11

RiskCube’s homepage and FAQ advertise no added broker fees, but its compensation disclosure allows agreed service fees and payment-processing charges. It also describes insurer or intermediary commissions and possible performance incentives. The scope of the fee-free claim needs written clarification for the requested services. ^15,20,17