Relm Insurance vs Risklytics: How Do They Compare for General Liability Insurance?

Risklytics is a licensed producer placing general liability with carriers wanting robotics and hardware risk; Relm Insurance markets it as a casualty line brokers place, highlighting cannabis, biotech and aerospace and defense.

Relm targets regulated, high-growth industries such as cannabis and aerospace through brokers, while Risklytics places the same line specifically with carriers willing to write robotics and hardware exposure and quotes online with no broker fee. ^1,^4,³

What Are the Key Differences Between Relm Insurance and Risklytics General Liability Insurance?

Who Each Is Built For

Relm highlights companies in cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology, tying general liability to lease and contract requirements in those regulated fields. ¹ Risklytics instead specializes by physical risk rather than industry: it says this line "needs the right insurers" because machines operating around people make generic insurers wary, and it places business specifically with carriers that want robotics and hardware risk. ²

How You Buy

Relm's reviewed pages describe distribution only through insurance brokers, with no online quote. ¹ Risklytics instead runs its own online application with no broker fee added on top of the premium, and says a licensed producer stays on the file until the program binds:

You start Risklytics General 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.

What the Base Policy Covers

Relm's coverage description names specific personal and advertising injury scenarios such as false arrest, malicious prosecution and copyright infringement. ¹ Risklytics instead draws a functional line: the policy responds to third-party bodily injury or property damage but not to a customer's financial loss from a product failure, which it says falls under Tech E&O. ²

What Should You Confirm in Relm Insurance and Risklytics General Liability Insurance Quotes?

Ask Relm's broker for the specific issuing insurer and jurisdiction for your placement. ¹
Ask Risklytics which specialist carrier is underwriting your policy, since it names none publicly. ²
If your business involves hardware operating near people, ask whether that changes eligibility or pricing with either company. ²
Ask Relm's broker whether general liability can be bundled with any of Relm's other casualty lines for your placement. ¹

Relm Insurance vs Risklytics General Liability Insurance Compared

Relm Insurance vs Risklytics: General Liability Insurance: documented features by provider

Criteria	Relm General Liability Insurance	Risklytics General Liability Insurance
Who It’s For	Relm says general liability is often required by leases and by enterprise or government contracts. It highlights companies in high-growth, high-risk or heavily regulated fields such as cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology. ¹Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.	Risklytics says buyers typically need this coverage at their first lease, customer contract, or on-site visit, and that landlords, customers and site owners require it before a client signs a contract or sets foot on site. ²Company-reported. Lines page.
How to Apply	Relm sells general liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ¹Company-reported. Casualty page framing; consistent with Relm's broader broker-distribution model.	You start Risklytics General 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 GLI covers third-party bodily injury (medical expenses, legal defense, damages), third-party property damage, and personal and advertising injury claims such as libel, slander, false arrest, malicious prosecution, copyright infringement and privacy violations. ¹Company-reported. Casualty page 'What is General Liability Insurance?' section; the issued policy and declarations control. Relm says casualty coverage generally excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), intentional or criminal acts by directors or employees, and damages from illegal activities. ¹Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not GLI-specific exclusions only.	Risklytics describes General Liability as responding when someone outside the company is hurt or their property is damaged, giving examples of a falling bracket damaging customer equipment and a visitor tripping at a demo, and says it does not respond to a customer's financial loss from a product failure (that falls under Tech E&O). ²Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	Relm markets General Liability Insurance (GLI) as a casualty line brokers can place for clients, grouped alongside its product and excess liability products on the same casualty page. 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 General 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.