Relm Insurance vs Risklytics D&O Insurance

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. 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 Directors & Officers 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.

The reviewed Financial Lines page does not name a specific issuing insurer for D&O placements; Relm's separate legal-information and fronting-partner pages describe Relm Insurance Ltd. and an external fronting insurer generally, not tied to this specific line. 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 Directors & Officers 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.

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. ³Company-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. ⁷Company-reported. Lines page.

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. ³Company-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. ⁷Company-reported. Lines page; the issued policy and declarations control actual coverage.

Not described in the reviewed sources.

Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. ⁷Company-reported. Lines page; actual limits are set on the bound policy.

The reviewed D&O page does not describe dedicated risk-control, governance-advisory or claims-advocacy services beyond the general coverage description. ³Not found in reviewed sources. Financial Lines page as read on 2026-09-23.

Risklytics calls D&O easy to get for venture-backed companies with a clean story, describing quick placement for that segment. ⁷Company-reported. Lines page.

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. ³Company-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. ^8,4Company-reported. Pricing page describes the general application and fee process, not a line-specific form.