Relm Insurance vs Risklytics: How Do They Compare for Cyber Insurance?

Risklytics places cyber for robotics and AI firms and notes contracts often ask for $1 million or more; Relm Insurance sells cyber through brokers next to its tech E&O line.

Risklytics uses an online application, says there is no broker fee on top of premium, and cites a typical $1 million contract ask. Relm sells through brokers, not a direct quote, and does not publish a typical limit. ^4,^3,¹

What Are the Key Differences Between Relm Insurance and Risklytics Cyber Insurance?

An Online Application Versus Broker-Only Distribution

You start Risklytics through its online application, with a licensed producer on the file until bind and no broker fee on top of premium. Relm sells cyber through insurance brokers and does not describe a direct online quote. Choose Risklytics if you want to apply online and see a typical $1 million ask; choose Relm if you already have a broker placing emerging-risk industries. ⁴ ³ ¹

A Typical Contract Limit Versus Unposted Limits

Risklytics lists a typical ask of $1 million or more in enterprise contracts. Relm's reviewed page does not publish limits, retentions or a typical ask. ² ¹

Model-Output Carve-Out Versus Digital-Crime Grants

Risklytics says the line does not respond to a model giving bad output with no breach. Relm lists funds-transfer fraud and invoice manipulation as digital-crime scenarios and splits first-party costs from third-party liability. ² ¹

What Should You Confirm in Relm Insurance and Risklytics Cyber Insurance Quotes?

Ask Risklytics which specialist insurer would write the policy. ²
Ask Relm's broker whether first-party, third-party, or both are quoted. ¹
Get actual limits; Risklytics' $1 million figure is a typical ask. ²

Relm Insurance vs Risklytics Cyber Insurance Compared

Relm Insurance vs Risklytics: Cyber Insurance: documented features by provider

Criteria	Relm Cyber Insurance	Risklytics Cyber Liability Insurance
Who It’s For	Relm says a business is exposed to cyber risk if it relies on digital infrastructure, and frames the coverage around sectors with 'untested legal terrain and lagging regulation.' ¹Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company.	Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. ²Company-reported. Lines page.
How to Apply	Relm sells cyber insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ¹Company-reported. Cyber and Tech E&O page framing; consistent with Relm's broader broker-distribution model.	You start Risklytics Cyber Liability 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 cyber coverage addresses network security breaches, privacy breaches and extortion threats, including data breach response costs (notification, credit monitoring, PR), forensic investigation and legal defense, ransom payments and business interruption losses, data and asset recovery, and digital crime such as funds transfer fraud and invoice manipulation. ¹Company-reported. Cyber and Tech E&O page 'What is Cyber Insurance?' section; the issued policy and declarations control. Relm distinguishes first-party cyber coverage (the insured's own losses) from third-party cyber liability (claims against the client resulting from a loss), saying third-party cyber typically covers legal fees, settlements and regulatory penalties. ¹Company-reported. Cyber and Tech E&O page 'First-Party Vs. Third-Party Cyber Liability Insurance' section.	Risklytics describes Cyber Liability as paying for breach cleanup, legally required notifications, and the claims that follow a hack or data leak, such as a ransomware attack or exfiltrated customer records, and says it does not respond to a model giving bad output with no breach involved. ²Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	Relm markets cyber liability insurance as a distinct line on the same page as its Technology Errors and Omissions product, explicitly noting the two are related but not the same coverage. ¹Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. This record covers general cyber liability, distinct from Relm's separate generative-ai-liability offering record covering its NOVAAI, PONTAAI and RESCAAI AI-specific products.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Cyber Liability 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.