Relm Insurance vs Risklytics: How Do They Compare for D&O Insurance?

Relm Insurance targets fast-changing industries and distributes D&O through brokers; Risklytics Insurance Services focuses on venture-backed startups and cites a typical limit ask of a typical million to $3 million.

Risklytics takes D&O applications online, adds no broker fee, and says startups typically buy $1 million to $3 million. Relm sells custom D&O only through brokers and publishes no limits. ^1,^2,^4,³

What Are the Key Differences Between Relm Insurance and Risklytics D&O Insurance?

Apply Yourself vs Go Through a Broker

You start Risklytics D&O online, and a licensed producer stays on your file until it's bound. ⁴ You can't go to Relm directly; your broker places D&O through it on custom terms. ¹ Both court tech risk: Risklytics places with insurers that will write robotics, autonomy and AI, and Relm names Web3 founders, biotech leaders and AI pioneers. ² ¹ Choose Risklytics if you are a venture-backed startup closing your first priced round and want to apply online; choose Relm, through your broker, if you are a Web3 or biotech company that needs terms built around your sector. ² ¹

Timing and Budget Guidance Only at Risklytics

Risklytics says founders usually buy at or before the first priced round because term sheets and incoming board members require it, and gives $1 million to $3 million as the typical ask. ² Relm publishes no limits and gives no timing guidance beyond saying startups need D&O to attract executives. ¹

What Should You Confirm in Relm Insurance and Risklytics D&O Insurance Quotes?

Compare your bound limit with Risklytics' $1–3 million typical ask. ²
Check both quotes for broker fees; Risklytics says it charges none on top of premium. ⁴
Ask both which insurer would appear on the declarations page; neither names one. ¹ ²

Relm Insurance vs Risklytics D&O Insurance Compared

Relm Insurance vs Risklytics: D&O Insurance: documented features by provider

Criteria	Relm Directors and Officers Liability Insurance	Risklytics Directors & Officers Insurance
Who It’s For	Relm targets companies in disruptive or fast-changing sectors, naming Web3 founders, biotechnology leaders and AI pioneers as examples, and says any company with a board benefits, with startups especially needing it to attract executives. ¹Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.	Risklytics says the norm is buying D&O at or before a startup's first priced round, since term sheets and incoming board members typically require it as a closing condition. ²Company-reported. Lines page.
How to Apply	Relm sells D&O through insurance brokers (its page says brokers can use Relm to protect clients' leadership teams); it does not describe a direct online quote. ¹Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model described on its legal-information and US MGA pages.	You start Risklytics Directors & Officers 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 D&O coverage generally protects directors and officers' personal assets by covering legal fees, settlements and financial losses when they are held liable for decisions made managing the company, including claims from shareholders, regulators, competitors or employees. ¹Company-reported. Financial Lines page general description; Relm notes coverage can differ by carrier, and the issued policy and declarations control.	Risklytics describes D&O as protecting a founder's personal assets when an investor or regulator sues over how the company was run, citing an investor suit after a down round and a regulator inquiry into AI capability claims as examples, and distinguishes it from Tech E&O, which answers a customer's product-failure claim instead. ²Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	Relm markets D&O liability as a line brokers can place through Relm for their clients, describing custom coverage rather than a one-size-fits-all policy. 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 Directors & Officers 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.