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Relm Insurance vs Risklytics

Compare an AI-specific insurance product with a frontier-tech broker’s placement brief when existing liability policies may leave an AI gap.

Introduction

An AI business that already has liability insurance may be looking either to replace unsuitable policies or add protection around them. Relm markets several AI-specific structures; Risklytics offers brokerage placement and review of AI exclusions. The first decision is what gap needs addressing, because a replacement policy, an excess wrap and first-party response cover are not interchangeable. 6 22

Where Each Provider Shines

Where Relm Insurance Shines

  • Cyber and technology E&O designed for AI developers 7,6
  • First-party cover for third-party AI failures 9

Where Risklytics Shines

  • Risklytics says it prepares the application from your business description and website for your review. 15
  • Risklytics says it reviews technology E&O wording for AI exclusions before binding. 22

Coverage Comparison

Coverage TypeRelm InsuranceRisklytics
Commercial propertyListed 4Listed 18
CrimeListed 4Not listed
Cyber liabilityListed 4Listed 18
Digital assetsListed 4Not listed
Directors and officersListed 4Listed 18
Employment practices liabilityListed 4Not listed
Fiduciary liabilityListed 4Not listed
General liabilityListed 4Listed 18
Generative AI liabilityListed 7,6Not listed
Intellectual propertyNot listedListed 18
Kidnap and ransomListed 4Not listed
Media liabilityListed 4Not listed
Product liabilityListed 4Not listed
Professional liability / E&OListed 4Not listed
Surety bondsListed 4Not listed
Technology errors and omissionsListed 4Listed 18
Tools, equipment and inland marineListed 4Listed 18
Umbrella and excess liabilityListed 4Listed 18
Workers’ compensationNot listedListed 18

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

Key Differences Between Relm Insurance and Risklytics

Identify Which AI Product Is Being Compared

Relm describes NOVAAI for AI developers' cyber and technology E&O risks, PONTAAI as an excess difference-in-conditions wrap, and RESCAAI for a business's own losses involving third-party AI. Risklytics' advertised wording review does not establish a standardized counterpart to those products. Ask the broker to explain whether it would seek a revised underlying policy or a separate AI contract, using the existing forms to define the problem. 7 8 9 22

An advertised wrap is not proof that it fills every AI exclusion. Its relationship with the underlying insurance must be read from the proposed wording. Similarly, a first-party response product should not be treated as general liability for customer claims. Compare the loss each proposed contract addresses before deciding whether it fills the identified gap. 8 9

Relm's Brand Includes More Than One Legal Role

Relm distinguishes its Bermuda insurer from its US producer/MGA operation and describes broker-led access. Risklytics is a placing brokerage. They could occupy different parts of a transaction, but no Risklytics access to Relm is established here. Relm's announcement naming Trisura concerns US digital-asset risks; it does not identify the issuer of a California AI policy. 2 3 10 17

California Requires More Than a Product Name

Relm publishes a California producer number but the reviewed public documentation leaves the AI insurer, placement status and placing broker unresolved. Risklytics' agency table does not list California, and its local route is also unconfirmed. Ask for the complete chain before treating an AI product announcement as an available solution for the company. 2 6 16

What to Confirm in Quotes

  • Provide the existing policy forms and identify the precise AI exclusions or uncovered losses to address. 8 22
  • Ask when any wrap responds, what underlying insurance must remain in force and whether the offer covers your own loss or third-party liability. 8 9
  • Obtain the legal insurer, authorized California distribution route and claims-notice instructions for the selected product. 2 13 17

Service Comparison

Relm Insurance vs Risklytics Insurance: documented services and availability

CriteriaRelm InsuranceRisklytics
Business role

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

Risklytics describes itself as a commercial insurance brokerage. Its current legal disclosures identify Risklytics, Inc., doing business as Risklytics Insurance Services, as the producer arranging coverage rather than the insurer. 16,17

Access to insurers

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

The terms allow submissions directly to insurers or through wholesale brokers. No named issuing insurer or product-specific California placement arrangement was identified in the reviewed terms, market-access page or coverage pages. 17,18,22,24

Application process

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

Risklytics says it drafts an application using your description and public business information, including your website, for you to check and sign. It advertises Slack and email placement updates. The application-preparation process and its speed were not tested. 15

Risklytics says it reviews the application with you, approaches suitable insurers and reads quote wording before making a recommendation. Its FAQ says the insurer binds after you accept a quote; timing varies with the coverage and operation. 20

Availability

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. 2

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. 2,3,6

Risklytics publishes agency NPN 22311838 and Massachusetts resident license 3004393145. Its state table, dated September 10, 2026, also lists Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington. These are company-reported identifiers, not independently verified licenses or product eligibility. 16

California is absent from the reviewed agency-license table. A California-authorized producer and product route remain unconfirmed in the reviewed disclosures; this does not establish that Risklytics cannot arrange California coverage. Confirm the responsible producer, authority and insurer for your operation before relying on a quote. 16,17,25

Sources

Relm Insurance Official Website

  1. Artificial Intelligence Insurance. Relm Insurance; Introduction; Artificial Intelligence Insurance Risks; footer. Accessed 2026-09-16.
  2. Legal Information. Relm Insurance; Bermuda License; US Licenses, California row; footer jurisdiction restriction. Accessed 2026-09-16.
  3. Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
  4. Lines of Business. Relm Insurance; Financial Lines through Specialty Lines; individual offering lists. Accessed 2026-09-16.
  5. Tailored Industry Insurance Products. Relm Insurance; Artificial Intelligence; Digital Asset & Web3; Fintech; Space. Accessed 2026-09-16.
  6. Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
  7. Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers. Relm Insurance; Introduction; Understanding the New AI Liability Risks for AI Developers. Accessed 2026-09-16.
  8. Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs. Relm Insurance; Opening product definition; Specific Shortcomings; Key features. Accessed 2026-09-16.
  9. Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations. Relm Insurance; RESCAAI: Insurance Coverage Designed for Operational Risks; four coverage areas. Accessed 2026-09-16.
  10. Relm Announces Fronting Partnership with Trisura Specialty Insurance Company. Relm Insurance; Title; opening fronting-agreement paragraph; About Trisura Group. Accessed 2026-09-16.
  11. Contact. Relm Insurance; Get in Touch form; footer broker and coverage restrictions. Accessed 2026-09-16.
  12. Claims. Relm Insurance; Experienced Claims Team; Accessible; illustrative claims scenarios. Accessed 2026-09-16.
  13. Terms & Conditions. Relm Insurance; Website terms; Contact Details: General Inquiries, Claims, Global Claims Response, US Claims Response, Complaints. Accessed 2026-09-16.
  14. Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Executives. Relm Insurance; Opening product announcement; Comprehensive Protection with Immediate Response. Accessed 2026-09-16.

Risklytics Official Website

  1. Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
  2. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  3. Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9, 12; live HTML retrieved September 16, 2026. Accessed 2026-09-16.
  4. For insurers and wholesale markets. Risklytics; The lines we place; appetite form; Applications that state the exposure. Accessed 2026-09-16.
  5. How pricing and broker fees work. Risklytics; What it costs; broker fee row; No published rates; commission disclosure on request. Accessed 2026-09-16.
  6. Questions founders ask. Risklytics; Cost and process: What do we pay a broker?; What happens after we submit an application?. Accessed 2026-09-16.
  7. Contact a commercial insurance broker. Risklytics; Write to us; email response statement and contact form. Accessed 2026-09-16.
  8. Professional Liability (Tech E&O) insurance. Risklytics; How hard to get; Common questions; general-description disclaimer. Accessed 2026-09-16.
  9. Intellectual Property insurance, explained. Risklytics; Common questions; How hard to get; general-description disclaimer. Accessed 2026-09-16.
  10. Space insurance, explained. Risklytics; Built for moments like these; Common questions; general-description disclaimer. Accessed 2026-09-16.
  11. Business Name Search. California Department of Insurance; Initial agency-name search form only; no completed provider search or license result. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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