Relm Insurance vs Risklytics: How Do They Compare for Inland Marine Insurance?

Relm Insurance markets inland marine coverage with product examples for its target businesses. Risklytics Insurance Services places robotics-specific equipment cover, with each unit listed at replacement cost, and support services.

You fit Relm if a named floater—installation, bailee goods or an exhibition shipment—is the product. You fit Risklytics if each robotics unit must be listed at replacement cost the first time it leaves the building. ^1,²

What Are the Key Differences Between Relm Insurance and Risklytics Inland Marine Insurance?

Listed Floaters or Robotics Schedules

Relm names floaters for installation, cargo, property held for others and exhibitions. Risklytics focuses on robotics units damaged off premises or stolen in transit, typically scheduling each unit at replacement cost. Choose Relm if your property fits one of its floater types; choose Risklytics if you are insuring robotics or autonomy equipment. ¹ ²

Prototype and Medical Gear Versus First Time Off-Site

Relm names tech or medical companies moving delicate equipment, manufacturers with prototypes in transit, and construction firms. Risklytics says buyers typically need the cover the first time a unit leaves the building, and that pilot agreements and site owners require it for gear left on site. Relm’s reviewed page does not describe that robotics-pilot trigger. ¹ ²

Broker Channel Versus Online Application

Relm’s reviewed pages do not describe a direct online quote. Risklytics starts this line online, says there is no broker fee on top of premium, and describes listing each unit at replacement cost rather than a blanket figure. Neither names the issuing inland marine insurer on the reviewed pages. ¹ ⁴ ²

What Should You Confirm in Relm Insurance and Risklytics Inland Marine Insurance Quotes?

Ask Relm’s broker which floater (installation, bailee, cargo or exhibition) is quoted. ¹
Ask Risklytics for unit replacement-cost values and the robotics insurer. ²
Confirm Relm’s issuing carrier; the product page does not name it. ¹
Confirm whether Risklytics’ no-broker-fee description applies to this bind. ⁴

Relm Insurance vs Risklytics Inland Marine Insurance Compared

Relm Insurance vs Risklytics: Inland Marine Insurance: documented features by provider

Criteria	Relm Inland Marine Insurance	Risklytics Equipment (Inland Marine) Insurance
Who It’s For	Relm targets businesses that move materials between sites, ship products, or work remotely on client property, specifically naming tech or medical companies transporting delicate high-value equipment, manufacturers with prototypes in transit, and construction firms with equipment on the move. ¹Company-reported. Property/marine page 'Who Needs Inland Marine Insurance?' section; not a guarantee of eligibility for a particular company.	Risklytics says buyers typically need this coverage the first time a unit leaves the building, and that pilot agreements and site owners require it for gear left on site. ²Company-reported. Lines page.
How to Apply	Relm sells inland marine coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ¹Company-reported. Property/marine page framing; consistent with Relm's broader broker-distribution model.	You start Risklytics Equipment (Inland Marine) 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 inland marine covers goods in transit over land, tools and machinery in use at job sites, and bailee's goods in the client's custody, distinct from ocean marine coverage for goods transported by sea. ¹Company-reported. Property/marine page 'What is Inland Marine Insurance?' section; the issued policy and declarations control. Relm lists specific inland marine product examples: instrument and equipment floaters for delicate or high-value tools, motor truck cargo coverage, installation floaters for components being installed at customer sites, bailee's customer goods coverage, and exhibition floaters for trade-show shipments. ¹Company-reported. Property/marine page 'Common inland marine examples' list.	Risklytics frames this as the robotics-specific line, covering equipment damaged or stolen away from the company's own premises, such as a demo unit crushed at a customer's warehouse or a crated robot stolen in transit, and distinguishes it from general liability, which would cover a bystander injured by the same robot rather than damage to the unit itself. ²Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	Relm markets Inland Marine Insurance as a distinct line from commercial property on the same page, describing it as a crucial add-on since traditional property coverage often excludes risks to assets on the move. 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 Equipment (Inland Marine) 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.