Relm Insurance vs 
Risklytics: How Do They Compare for Commercial Property Insurance?
Relm Insurance targets specialized property in cannabis, advanced manufacturing and aerospace; Risklytics places cover for leased offices or labs through outside carriers and an online application.
Relm targets cannabis cultivation, advanced manufacturing and aerospace; Risklytics targets robotics, autonomy and AI tenants and limits described coverage to on-premises contents. 1,2
What Are the Key Differences Between Relm Insurance and Risklytics Commercial Property Insurance?
Two Kinds of Hard-to-Place Physical Assets
Relm names cannabis cultivation, advanced manufacturing and aerospace as sectors with costly, specialized or custom-built assets it says traditional insurers may not adequately cover. 1 Risklytics instead says landlords usually require this coverage on a first lease with meaningful contents, targeting tenants in robotics, autonomy and AI risk rather than naming an industry the way Relm does. Choose Relm if your assets are in cannabis, advanced manufacturing or aerospace; choose Risklytics if your robotics or AI property stays on site.
Broad Peril Language vs. a Narrow Premises Scope
Relm's page details both named-perils and open-perils/all-risk coverage options, plus a specific exclusion list covering wear and tear, mold, Acts of God, war and intentional employee damage. 1 Risklytics instead scopes coverage narrowly to repairing a leased space and replacing its on-premises contents, explicitly excluding equipment once it leaves the premises. 2
Buying Through a Broker vs. an Online Application
Relm sells commercial property through insurance brokers, with no direct online quote described on its page. 1 Risklytics instead says you start through its own online application, with no added broker fee since commission comes from the carrier. 4
What Should You Confirm in Relm Insurance and Risklytics Commercial Property Insurance Quotes?
- Ask Relm for examples of accounts it has placed in your exact sub-industry, since its named appetite spans three fairly different fields. 1
- Ask Risklytics what dollar figure its underwriters expect to cover your space's contents, since no limit is published. 2
- Compare Relm's named exclusion list against what Risklytics' page does not address, such as mold or war exclusions. 1 2
- Get the issuing insurer from both; Relm's page names none, and Risklytics names only that it places business with unspecified specialist insurers. 1 3
Relm Insurance vs Risklytics Commercial Property Insurance Compared
Relm Insurance vs Risklytics: Commercial Property Insurance: documented features by provider
| Criteria | Relm Commercial Property Insurance | Risklytics Commercial Property Insurance |
|---|---|---|
| Who It’s For | Relm targets companies with costly, often specialized or custom-built physical assets, specifically naming cannabis cultivation, advanced manufacturing and aerospace as sectors traditional insurers may not adequately cover. 1Company-reported. Property page 'Who Needs Commercial Property Insurance?' section; not a guarantee of eligibility for a particular company. | Risklytics says landlords usually require this coverage on a first lease with meaningful contents, and that a tenant's lease commonly requires coverage for improvements and contents since the landlord's own policy only covers the building. 2Company-reported. Lines page. |
| How to Apply | Relm sells commercial property coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 1Company-reported. Property page framing; consistent with Relm's broader broker-distribution model. | You start Risklytics Commercial Property Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. 4,3Company-reported. Pricing page describes the general application and fee process, not a line-specific form. |
| Coverage Features | Relm says commercial property covers buildings, machinery and equipment, inventory and furniture against losses from events like fire, theft, vandalism, storm damage and some types of water damage, written as either named-perils or open-perils/all-risk. 1Company-reported. Property page 'What is Commercial Property Insurance?' section; the issued policy and declarations control. Relm says the coverage excludes wear and tear, poor-maintenance damage, mold or contamination (addressed by separate environmental insurance), Acts of God such as flooding or earthquakes (needing separate policies in at-risk areas), war or terrorism, and intentional damage by employees. 1Company-reported. Property page 'What Does Commercial Property Insurance Not Cover?' section. | Risklytics describes Commercial Property as paying to repair a leased office or lab and replace its contents after damage or theft on premises, such as a burst pipe soaking test rigs or a break-in emptying a workshop, and says it does not follow equipment once it leaves the premises (that is Equipment/Inland Marine). 2Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| Role in This Line | Relm markets Commercial Property Insurance as a line brokers can place for clients, paired on the same page with its inland marine and business interruption products. 1Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Commercial Property Insurance with outside carriers; it says it does not underwrite policies itself. 3Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. |
