---
title: "Relm Insurance vs Risklytics: Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/relm-vs-risklytics/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "relm-vs-risklytics"
provider-a: "relm"
provider-b: "risklytics"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/relm-vs-risklytics/cyber)

## Agent Guide

**What this page is:** Focused comparison of Relm Insurance and Risklytics for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Cyber Insurance questions about Relm Insurance versus Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Relm Insurance vs Risklytics for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Relm Insurance or Risklytics?
- What does Relm Insurance or Risklytics publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: Relm Insurance and Risklytics.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Relm Insurance vs Risklytics](https://spot.insure/compare/relm-vs-risklytics) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# 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 places cyber online with no extra broker fee and a typical $1 million contract ask, while Relm sells only through brokers and does not post a typical limit.

## Relm Insurance vs Risklytics Cyber Insurance Summary

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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [3](https://www.risklytics.ai/about/ "About Risklytics: who we are") [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

## 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [3](https://www.risklytics.ai/about/ "About Risklytics: who we are") [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

### 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](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

### 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](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

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

- Ask Risklytics which specialist insurer would write the policy. [2](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")
- Ask Relm's broker whether first-party, third-party, or both are quoted. [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")
- Get actual limits; Risklytics' $1 million figure is a typical ask. [2](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")

## Relm Insurance vs Risklytics Cyber Insurance Compared

| 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.' [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: 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. [2](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page..) |
| How to Apply | Relm sells cyber insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [3](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page 'What is Cyber Insurance?' section; the issued policy and declarations control..)<br><br>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. [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: 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. [2](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: 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. [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: 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. [3](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |

## About Relm Insurance and Risklytics and Cyber Insurance

- [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews)
- [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for Relm Insurance vs Risklytics Cyber Insurance

- [Relm Insurance vs Risklytics](https://spot.insure/compare/relm-vs-risklytics): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Relm Insurance Cyber Insurance](https://spot.insure/insurance-providers/relm/cyber)
- [Risklytics Cyber Insurance](https://spot.insure/insurance-providers/risklytics/cyber)

## Sources for Relm Insurance vs Risklytics Cyber Insurance

### Sources About Relm Insurance

1. [Cyber and Technology Errors and Omissions](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/). Relm Insurance; What is Cyber Insurance?; First-Party Vs. Third-Party Cyber Liability Insurance; Who Needs Cyber and Tech E&O Insurance?. Accessed 2026-09-23.

### Sources About Risklytics

2. [Cyber Liability Insurance](https://www.risklytics.ai/lines/cyber/). Risklytics; Coverage line: Cyber Liability; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
3. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
4. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/relm-vs-risklytics/cyber.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)