Relm Insurance vs Risklytics: How Do They Compare for Umbrella and Excess Liability Insurance?

Relm Insurance markets excess liability that brokers place, advising on exact limits; Risklytics places umbrella through an online application, with a typical request of $1 million to $10 million.

Risklytics lets robotics, autonomy and AI companies apply online for $1 million to $10 million in extra limits, with no broker fee added. Relm's excess reaches you only through your broker and targets energy, manufacturing and transportation firms with large fleets or contracts. ^2,¹

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

Your Industry and How You Want to Buy

Risklytics is a broker working with insurers it says will write robotics, autonomy and AI risk. The usual trigger is an enterprise master service agreement or a site owner asking for $5 million or more. It stacks over general liability, commercial auto and employer's liability, and rarely over tech E&O. Relm's excess is a casualty product brokers place for you once your underlying limits aren't enough. It calls excess especially important for companies with large vehicle fleets, lots of public contact or large contracts, and names energy, manufacturing and transportation. Choose Risklytics if you build robots, autonomous systems or AI hardware and want to apply yourself; choose Relm through your broker if you run a fleet or work in energy, manufacturing or transportation. ³ ² ¹

Published Numbers Versus Broker Advice

Risklytics publishes a typical range and says it adds no broker fee on top of premium. It also says how much limit you can get depends on the strength of your underlying policies. Relm publishes no ranges and says brokers will advise on the exact limit you need, so you'll depend on your broker's judgment and fee. ² ⁴ ¹

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

Ask both which insurer issues the policy. ² ¹
Ask your broker which market would write Relm's excess for your fleet or energy operations, and what the broker charges. ¹
If tech E&O is one of your primary policies, ask Risklytics whether it can sit under the extra limits. ²
Match the limit to your contract's requirement, not to Risklytics' typical range. ²

Relm Insurance vs Risklytics Umbrella and Excess Liability Compared

Relm Insurance vs Risklytics: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Relm Excess Liability Insurance	Risklytics Extra Limits (Umbrella) Insurance
Who It’s For	Relm says excess liability benefits companies with higher-than-average liability exposure, such as those with large vehicle fleets, significant public interaction or large contracts, and calls it especially important for high-risk industries like energy, manufacturing or transportation. ¹Company-reported. Casualty page 'What is Excess Liability Insurance?' section; not a guarantee of eligibility for a particular company.	Risklytics says the usual trigger is the first contract demanding more liability coverage than the primary policy carries, often an enterprise master service agreement or a site owner asking for $5 million or more. ²Company-reported. Lines page.
How to Apply	Relm says brokers will always advise on the exact excess liability limits a client needs, framing the product as broker-guided rather than self-service. ¹Company-reported. Casualty page 'What is Excess Liability Insurance?' section; no quote was requested during this research.	You start Risklytics Extra Limits (Umbrella) 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 excess liability adds protection once the limits of a company's underlying liability policies are exhausted. ¹Company-reported. Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations control.	Risklytics describes this line as stacking extra liability limits, commonly over general liability, commercial auto and employer's liability, on top of a primary policy when a contract demands higher limits than the primary carries, and says it rarely sits over Tech E&O. ²Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	Relm markets Excess Liability Insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. 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 Extra Limits (Umbrella) 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.