---
title: "Relm Insurance vs Risklytics Inland Marine Insurance"
description: "Relm sells named inland marine floaters through brokers; Risklytics places robotics equipment inland marine online at unit replacement cost."
canonical: "https://spot.insure/compare/relm-vs-risklytics/inland-marine"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# Relm Insurance vs Risklytics Inland Marine Insurance

Relm sells named inland marine floaters through brokers; Risklytics places robotics equipment inland marine online at unit replacement cost.

## Research Scope and Use

Use this comparison to evaluate Relm Insurance and Risklytics for Inland Marine Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Relm markets inland marine as a product sold through brokers, with installation, bailee, cargo and exhibition floaters. Risklytics places robotics Equipment (Inland Marine) as a producer it describes as licensed, typically listing each unit at replacement cost through an online application. [3](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") [7](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance")

## What Is Relm Insurance?

Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. [1](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [2](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## What Is Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") [5](https://www.risklytics.ai/ "Insurance for Frontier Tech") [6](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## What Is Inland Marine Insurance?

Inland marine is specialized property insurance for items such as equipment that travels between sites, property being installed and goods in transit. Coverage types differ, so match each quote to the items you own, rent or hold for others. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf "Inland Marine Policy: Contractors’ Equipment")

## Key Differences in Inland Marine Insurance

### Relm Product Menu Versus Robotics Placement

Relm markets Inland Marine Insurance as its own line, distinct from commercial property, sold through brokers. Risklytics describes itself as a licensed producer that places Equipment (Inland Marine) with outside carriers and says it does not underwrite. Relm’s examples are instrument floaters, motor truck cargo, installation floaters, bailee’s goods and exhibition floaters. Risklytics’ examples are demo robots damaged off-premises and crated units stolen in transit. [3](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") [7](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance")

### 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. [3](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") [7](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance")

### 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. [3](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") [8](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [7](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance")

## What to Confirm in Inland Marine Insurance Quotes

- Ask Relm’s broker which floater (installation, bailee, cargo or exhibition) is quoted. [3](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance")
- Ask Risklytics for unit replacement-cost values and the robotics insurer. [7](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance")
- Confirm Relm’s issuing carrier; the product page does not name it. [3](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance")
- Confirm whether Risklytics’ no-broker-fee description applies to this bind. [8](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

## Offering Details

| Criteria | Relm Inland Marine Insurance | Risklytics Equipment (Inland Marine) Insurance |
| --- | --- | --- |
| 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. [3](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Company-reported; scope: 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. [4](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..) |
| Issuing Insurer | The reviewed page does not name a specific issuing insurer for inland marine placements. [3](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Not publicly disclosed; scope: 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 Equipment (Inland Marine) 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](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| 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. [3](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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. [3](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Company-reported; scope: Property/marine page 'What is Inland Marine Insurance?' section; the issued policy and declarations control..)<br><br>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. [3](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| Limits and Retentions | Not described in the reviewed sources. | Risklytics says the typical ask is each unit listed and insured for its replacement cost, rather than a single blanket dollar figure. [7](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| Risk Services | Not described in the reviewed sources. | Risklytics says this line “needs the right insurers” and is placeable once every equipment unit is listed with a real value. [7](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance") (Evidence: Company-reported; scope: Lines page..) |
| How to Apply | Relm sells inland marine coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [3](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](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..) |

## Full Comparison

- [Relm Insurance vs Risklytics](https://spot.insure/compare/relm-vs-risklytics): all coverage lines, business roles, service and claims.
- [What Is Inland Marine Insurance?](https://spot.insure/coverage/inland-marine): Inland marine insurance includes specialized protection for equipment that moves between jobs and goods in transit.
- [Relm Insurance vs Risklytics Commercial Property Insurance](https://spot.insure/compare/relm-vs-risklytics/commercial-property)
- [Relm Insurance vs Risklytics Cyber Insurance](https://spot.insure/compare/relm-vs-risklytics/cyber)
- [Relm Insurance vs Risklytics D&O Insurance](https://spot.insure/compare/relm-vs-risklytics/directors-officers)
- [Relm Insurance vs Risklytics General Liability Insurance](https://spot.insure/compare/relm-vs-risklytics/general-liability)
- [Relm Insurance vs Risklytics Tech E&O Insurance](https://spot.insure/compare/relm-vs-risklytics/technology-errors-omissions)
- [Relm Insurance vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/relm-vs-risklytics/umbrella-excess)
- [Alliance Risk vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-relm/inland-marine)
- [Alliance Risk vs Risklytics Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/inland-marine)
- [Chubb vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/chubb-vs-relm/inland-marine)
- [Chubb vs Risklytics Inland Marine Insurance](https://spot.insure/compare/chubb-vs-risklytics/inland-marine)
- [Coverdash vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/coverdash-vs-relm/inland-marine)
- [Coverdash vs Risklytics Inland Marine Insurance](https://spot.insure/compare/coverdash-vs-risklytics/inland-marine)

## Sources

### Relm Insurance

1. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
2. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
3. [Commercial Property and Inland Marine Insurance](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/). Relm Insurance; What is Inland Marine Insurance?; Common inland marine examples; Who Needs Inland Marine Insurance?. Accessed 2026-09-23.

### Risklytics

4. [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.
5. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
6. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
7. [Equipment (Inland Marine) Insurance](https://www.risklytics.ai/lines/equipment/). Risklytics; Coverage line: Equipment (Inland Marine); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
8. [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.

### Inland Marine Insurance Guide

9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
10. [Inland Marine Policy: Contractors’ Equipment](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf). Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.

Updated 2026-09-24. 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.

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