Relm Insurance vs Risklytics Umbrella and Excess Liability Insurance

Relm markets Excess Liability Insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. 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 Extra Limits (Umbrella) 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 page does not name a specific issuing insurer for excess liability placements. 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 Extra Limits (Umbrella) 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 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. ³Company-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. ⁷Company-reported. Lines page.

Relm says excess liability adds protection once the limits of a company's underlying liability policies are exhausted. ³Company-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. 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 $10 million stacked on top of a client's other policies for this line. ⁷Company-reported. Lines page; actual limits are set on the bound policy.

Not described in the reviewed sources.

Risklytics says this line “needs the right insurers” because umbrella capacity follows the strength of the underlying policies it sits above. ⁷Company-reported. Lines page.

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