Relm Insurance vs 
Risklytics Commercial Property Insurance
Relm places property through brokers for cannabis, advanced manufacturing and aerospace; Risklytics calls the line easy to get for robotics and AI tenants.
What Is Relm Insurance?
Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. 1,2
What Is Risklytics Insurance?
Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. 4,5,6
What Is Commercial Property Insurance?
Commercial property insurance addresses physical business assets, including buildings, equipment, furniture and inventory, subject to the policy’s covered property, causes and terms. 9
Key Differences in 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. 3 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.
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. 7Company-reported. Lines page.
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. 3 Risklytics instead scopes coverage narrowly to repairing a leased space and replacing its on-premises contents, explicitly excluding equipment once it leaves the premises. 7
Buying Through a Broker vs. an Online Application
Relm sells commercial property through insurance brokers, with no direct online quote described on its page. 3 Risklytics instead says you start through its own online application, with no added broker fee since commission comes from the carrier. 8
What to Confirm in 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. 3
- Ask Risklytics what dollar figure its underwriters expect to cover your space's contents, since no limit is published. 7
- Compare Relm's named exclusion list against what Risklytics' page does not address, such as mold or war exclusions. 3 7
- Get the issuing insurer from both; Relm's page names none, and Risklytics names only that it places business with unspecified specialist insurers. 3 4
Offering Details
Relm Insurance vs Risklytics Commercial Property Insurance: documented features by provider
| Criteria | Relm Commercial Property Insurance | Risklytics Commercial Property Insurance |
|---|---|---|
| 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. 3Company-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. 4Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. |
| Issuing Insurer | The reviewed page does not name a specific issuing insurer for commercial property placements. 3Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific. | Risklytics does not name the carrier that underwrites Risklytics Commercial Property Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. 7,4Company-reported. Lines page and about page; no specific insurer is published for this line. |
| 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. 3Company-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. 7Company-reported. Lines page. |
| 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. 3Company-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. 3Company-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). 7Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| Limits and Retentions | Not described in the reviewed sources. | Risklytics does not publish a typical dollar limit for this line; it says the typical ask is enough coverage to replace what is in the insured space. 7Not publicly disclosed. Lines page, checked 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | Risklytics calls commercial property the most standardized, easy-to-get policy it places. 7Company-reported. Lines page. |
| How to Apply | Relm sells commercial property coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 3Company-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. 8,4Company-reported. Pricing page describes the general application and fee process, not a line-specific form. |
Full Comparison
More Relm Insurance vs Risklytics Comparisons
Other Commercial Property Insurance Comparisons
Sources
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- Commercial Property and Inland Marine Insurance. Relm Insurance; What is Commercial Property Insurance?; Who Needs Commercial Property Insurance?; What Does Commercial Property Insurance Not Cover? Accessed 2026-09-23.
Risklytics
- About Risklytics: who we are. Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
- Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
- Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
- Commercial Property Insurance. Risklytics; Coverage line: Commercial Property; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
- How pricing and broker fees work. Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.
Commercial Property Insurance Guide
- Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
