---
title: "Relm Insurance vs Risklytics Insurance"
description: "Compare an AI-specific insurance product with a frontier-tech broker’s placement brief when existing liability policies may leave an AI gap."
canonical: "https://spot.insure/compare/relm-vs-risklytics"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Relm Insurance", "Risklytics"]
---

[Human-readable page](https://spot.insure/compare/relm-vs-risklytics)

# Relm Insurance vs Risklytics Insurance

Compare an AI-specific insurance product with a frontier-tech broker’s placement brief when existing liability policies may leave an AI gap.

## Research Scope and Use

Use this comparison to evaluate Relm Insurance and Risklytics against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Relm markets AI-specific products through distinct insurer and US MGA operations. Risklytics describes brokerage placement and AI wording review; neither record establishes the issuer and authorized route for a particular California AI policy. [6](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") [2](https://relminsurance.com/legal-information/ "Legal Information") [16](https://www.risklytics.ai/about/ "About Risklytics") [22](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance")



## Introduction

An AI business that already has liability insurance may be looking either to replace unsuitable policies or add protection around them. Relm markets several AI-specific structures; Risklytics offers brokerage placement and review of AI exclusions. The first decision is what gap needs addressing, because a replacement policy, an excess wrap and first-party response cover are not interchangeable. [6](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") [22](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance")

## Documented Provider Strengths

### Relm Insurance

- Cyber and technology E&O designed for AI developers [7](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers") [6](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") (Evidence: Company-reported; scope: AI-specific cyber/technology E&O marketing; no reviewed California policy form.; verified: 2026-09-16.)
- First-party cover for third-party AI failures [9](https://relminsurance.com/rescaai-solution-innovative-insurance-for-ai-exposed-operations/ "Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations") (Evidence: Company-reported; scope: First-party means the insured business’s own loss; no separate unrestricted product-recall offering inferred.; verified: 2026-09-16.)

### Risklytics

- Risklytics says it prepares the application from your business description and website for your review. [15](https://www.risklytics.ai/ "Insurance for Frontier Tech") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)
- Risklytics says it reviews technology E&O wording for AI exclusions before binding. [22](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Relm Insurance | Risklytics |
| --- | --- | --- |
| Commercial property | Listed [4](https://relminsurance.com/lines-of-business/ "Lines of Business") | Listed [18](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Crime | Listed [4](https://relminsurance.com/lines-of-business/ "Lines of Business") | Not listed |
| Cyber liability | Listed [4](https://relminsurance.com/lines-of-business/ "Lines of Business") | Listed [18](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Digital assets | Listed [4](https://relminsurance.com/lines-of-business/ "Lines of Business") | Not listed |
| Directors and officers | Listed [4](https://relminsurance.com/lines-of-business/ "Lines of Business") | Listed [18](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Employment practices liability | Listed [4](https://relminsurance.com/lines-of-business/ "Lines of Business") | Not listed |
| Fiduciary liability | Listed [4](https://relminsurance.com/lines-of-business/ "Lines of Business") | Not listed |
| General liability | Listed [4](https://relminsurance.com/lines-of-business/ "Lines of Business") | Listed [18](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Generative AI liability | Listed [7](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers") [6](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") | Not listed |
| Intellectual property | Not listed | Listed [18](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Kidnap and ransom | Listed [4](https://relminsurance.com/lines-of-business/ "Lines of Business") | Not listed |
| Media liability | Listed [4](https://relminsurance.com/lines-of-business/ "Lines of Business") | Not listed |
| Product liability | Listed [4](https://relminsurance.com/lines-of-business/ "Lines of Business") | Not listed |
| Professional liability / E&O | Listed [4](https://relminsurance.com/lines-of-business/ "Lines of Business") | Not listed |
| Surety bonds | Listed [4](https://relminsurance.com/lines-of-business/ "Lines of Business") | Not listed |
| Technology errors and omissions | Listed [4](https://relminsurance.com/lines-of-business/ "Lines of Business") | Listed [18](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Tools, equipment and inland marine | Listed [4](https://relminsurance.com/lines-of-business/ "Lines of Business") | Listed [18](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Umbrella and excess liability | Listed [4](https://relminsurance.com/lines-of-business/ "Lines of Business") | Listed [18](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Workers’ compensation | Not listed | Listed [18](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Relm Insurance and Risklytics

### Identify Which AI Product Is Being Compared

Relm describes NOVAAI for AI developers' cyber and technology E&O risks, PONTAAI as an excess difference-in-conditions wrap, and RESCAAI for a business's own losses involving third-party AI. Risklytics' advertised wording review does not establish a standardized counterpart to those products. Ask the broker to explain whether it would seek a revised underlying policy or a separate AI contract, using the existing forms to define the problem. [7](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers") [8](https://relminsurance.com/relms-pontaai-solution-ai-insurance-coverage-beyond-existing-liability-programs/ "Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs") [9](https://relminsurance.com/rescaai-solution-innovative-insurance-for-ai-exposed-operations/ "Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations") [22](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance")

An advertised wrap is not proof that it fills every AI exclusion. Its relationship with the underlying insurance must be read from the proposed wording. Similarly, a first-party response product should not be treated as general liability for customer claims. Compare the loss each proposed contract addresses before deciding whether it fills the identified gap. [8](https://relminsurance.com/relms-pontaai-solution-ai-insurance-coverage-beyond-existing-liability-programs/ "Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs") [9](https://relminsurance.com/rescaai-solution-innovative-insurance-for-ai-exposed-operations/ "Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations")

### Relm's Brand Includes More Than One Legal Role

Relm distinguishes its Bermuda insurer from its US producer/MGA operation and describes broker-led access. Risklytics is a placing brokerage. They could occupy different parts of a transaction, but no Risklytics access to Relm is established here. Relm's announcement naming Trisura concerns US digital-asset risks; it does not identify the issuer of a California AI policy. [2](https://relminsurance.com/legal-information/ "Legal Information") [3](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [10](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/ "Relm Announces Fronting Partnership with Trisura Specialty Insurance Company") [17](https://www.risklytics.ai/terms/ "Terms of Service")

### California Requires More Than a Product Name

Relm publishes a California producer number but the reviewed public documentation leaves the AI insurer, placement status and placing broker unresolved. Risklytics' agency table does not list California, and its local route is also unconfirmed. Ask for the complete chain before treating an AI product announcement as an available solution for the company. [2](https://relminsurance.com/legal-information/ "Legal Information") [6](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") [16](https://www.risklytics.ai/about/ "About Risklytics")

## What to Confirm in Quotes

- Provide the existing policy forms and identify the precise AI exclusions or uncovered losses to address. [8](https://relminsurance.com/relms-pontaai-solution-ai-insurance-coverage-beyond-existing-liability-programs/ "Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs") [22](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance")
- Ask when any wrap responds, what underlying insurance must remain in force and whether the offer covers your own loss or third-party liability. [8](https://relminsurance.com/relms-pontaai-solution-ai-insurance-coverage-beyond-existing-liability-programs/ "Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs") [9](https://relminsurance.com/rescaai-solution-innovative-insurance-for-ai-exposed-operations/ "Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations")
- Obtain the legal insurer, authorized California distribution route and claims-notice instructions for the selected product. [2](https://relminsurance.com/legal-information/ "Legal Information") [13](https://relminsurance.com/terms-and-conditions/ "Terms & Conditions") [17](https://www.risklytics.ai/terms/ "Terms of Service")



## Service Comparison

Relm Insurance vs Risklytics Insurance: documented services and availability.

| Criteria | Relm Insurance | Risklytics |
| --- | --- | --- |
| Business role | Relm Insurance is a specialty insurance business serving emerging industries, including artificial intelligence. Its Bermuda insurer and US distribution operation have distinct roles. [1](https://relminsurance.com/industry/artificial-intelligence-insurance/ "Artificial Intelligence Insurance") [3](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [2](https://relminsurance.com/legal-information/ "Legal Information") (Evidence: Company-reported; scope: Brand-level introduction; company descriptions, not an independent regulatory finding.; verified: 2026-09-16.)<br><br>Relm identifies Relm Insurance Ltd. as its Bermuda-regulated insurer and Relm US Insurance Solutions Inc. as a US licensed producer. It describes its US operation as a managing general agent (MGA), an intermediary with delegated insurance authority. The Bermuda entity says it deals only through appropriately licensed brokers. [2](https://relminsurance.com/legal-information/ "Legal Information") [3](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") (Evidence: Company-reported; scope: Company legal disclosures and US launch announcement; authority and insurer vary by placement. No regulator license verification completed.; verified: 2026-09-16.) | Risklytics describes itself as a commercial insurance brokerage. Its current legal disclosures identify Risklytics, Inc., doing business as Risklytics Insurance Services, as the producer arranging coverage rather than the insurer. [16](https://www.risklytics.ai/about/ "About Risklytics") [17](https://www.risklytics.ai/terms/ "Terms of Service") (Evidence: Company-reported; scope: Company legal disclosures, including live terms section 2. Producer authority is company-reported, not regulator-verified.; verified: 2026-09-16.) |
| Access to insurers | Relm’s fronting announcement names Trisura Specialty Insurance Company in connection with US digital-asset risks, including D&O, cyber, technology E&O and crime. A fronting insurer issues the policy while another insurer supplies risk capacity. This announcement does not establish Trisura as the issuer of every Relm product or of a California AI policy. [10](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/ "Relm Announces Fronting Partnership with Trisura Specialty Insurance Company") (Evidence: Company-reported; scope: Historical company announcement inspected on research date; current product-specific contracting insurer must be obtained from quote/declarations.; verified: 2026-09-16.) | The terms allow submissions directly to insurers or through wholesale brokers. No named issuing insurer or product-specific California placement arrangement was identified in the reviewed terms, market-access page or coverage pages. [17](https://www.risklytics.ai/terms/ "Terms of Service") [18](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") [22](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") [24](https://www.risklytics.ai/lines/space/ "Space insurance, explained") (Evidence: Not publicly disclosed; scope: Reviewed sources establish a described placement mechanism, not carrier appointments, completed placements or a specific insurer contract.; verified: 2026-09-16.) |
| Application process | Relm provides an inquiry form requesting contact details, company name and location. Its US launch describes access through distribution partners, and the website states that Relm Insurance Ltd. deals through licensed brokers. The reviewed pages do not establish instant quoting or online binding. [11](https://relminsurance.com/contact/ "Contact") [3](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") (Evidence: Company-reported; scope: Public inquiry and broker-led access; no form submitted and no quotation received.; verified: 2026-09-16.) | Risklytics says it drafts an application using your description and public business information, including your website, for you to check and sign. It advertises Slack and email placement updates. The application-preparation process and its speed were not tested. [15](https://www.risklytics.ai/ "Insurance for Frontier Tech") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)<br><br>Risklytics says it reviews the application with you, approaches suitable insurers and reads quote wording before making a recommendation. Its FAQ says the insurer binds after you accept a quote; timing varies with the coverage and operation. [20](https://www.risklytics.ai/faq/ "Questions founders ask") (Evidence: Company-reported; scope: FAQ process description only; no application, quote or binding transaction performed.; verified: 2026-09-16.) |
| Availability | Relm’s legal page lists California insurance producer license 6013054 for Relm US Insurance Solutions Inc. This is company-reported and was not independently verified in a regulator record; that row does not list a California surplus-lines license. [2](https://relminsurance.com/legal-information/ "Legal Information") (Evidence: Company-reported; scope: California row only; absence of a listed surplus-lines authority is not evidence that no lawful distribution route exists.; verified: 2026-09-16.)<br><br>The reviewed AI product, US MGA and legal pages do not establish the issuing insurer, admitted or surplus-lines status, or placing broker for a California NOVAAI, PONTAAI or RESCAAI policy. California product availability remains to be confirmed for the applicant. [2](https://relminsurance.com/legal-information/ "Legal Information") [3](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [6](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") (Evidence: Not found in reviewed sources; scope: Scoped unresolved California AI placement route, not a finding of unavailability. US marketing and producer licensing alone do not establish a particular policy route.; verified: 2026-09-16.) | Risklytics publishes agency NPN 22311838 and Massachusetts resident license 3004393145. Its state table, dated September 10, 2026, also lists Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington. These are company-reported identifiers, not independently verified licenses or product eligibility. [16](https://www.risklytics.ai/about/ "About Risklytics") (Evidence: Company-reported; scope: About page attributes its table to NIPR; no NIPR producer report or regulator-issued record was obtained.; verified: 2026-09-16.)<br><br>California is absent from the reviewed agency-license table. A California-authorized producer and product route remain unconfirmed in the reviewed disclosures; this does not establish that Risklytics cannot arrange California coverage. Confirm the responsible producer, authority and insurer for your operation before relying on a quote. [16](https://www.risklytics.ai/about/ "About Risklytics") [17](https://www.risklytics.ai/terms/ "Terms of Service") [25](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch "Business Name Search") (Evidence: Not found in reviewed sources; scope: Official company disclosures and initial CDI business-name search interface reviewed. No completed CDI search or license result. Office location and a fictional homepage demonstration mentioning CA do not establish authority.; verified: 2026-09-16.) |

## Related Reading

- [What Is Relm Insurance?](https://spot.insure/insurance-providers/relm)
- [What Is Risklytics Insurance?](https://spot.insure/insurance-providers/risklytics)

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## Sources

### [Relm Insurance Official Website](https://relminsurance.com/)

1. [Artificial Intelligence Insurance](https://relminsurance.com/industry/artificial-intelligence-insurance/). Relm Insurance; Introduction; Artificial Intelligence Insurance Risks; footer. Accessed 2026-09-16.
2. [Legal Information](https://relminsurance.com/legal-information/). Relm Insurance; Bermuda License; US Licenses, California row; footer jurisdiction restriction. Accessed 2026-09-16.
3. [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.
4. [Lines of Business](https://relminsurance.com/lines-of-business/). Relm Insurance; Financial Lines through Specialty Lines; individual offering lists. Accessed 2026-09-16.
5. [Tailored Industry Insurance Products](https://relminsurance.com/insurance-products/). Relm Insurance; Artificial Intelligence; Digital Asset & Web3; Fintech; Space. Accessed 2026-09-16.
6. [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.
7. [Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/). Relm Insurance; Introduction; Understanding the New AI Liability Risks for AI Developers. Accessed 2026-09-16.
8. [Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs](https://relminsurance.com/relms-pontaai-solution-ai-insurance-coverage-beyond-existing-liability-programs/). Relm Insurance; Opening product definition; Specific Shortcomings; Key features. Accessed 2026-09-16.
9. [Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations](https://relminsurance.com/rescaai-solution-innovative-insurance-for-ai-exposed-operations/). Relm Insurance; RESCAAI: Insurance Coverage Designed for Operational Risks; four coverage areas. Accessed 2026-09-16.
10. [Relm Announces Fronting Partnership with Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/). Relm Insurance; Title; opening fronting-agreement paragraph; About Trisura Group. Accessed 2026-09-16.
11. [Contact](https://relminsurance.com/contact/). Relm Insurance; Get in Touch form; footer broker and coverage restrictions. Accessed 2026-09-16.
12. [Claims](https://relminsurance.com/claims/). Relm Insurance; Experienced Claims Team; Accessible; illustrative claims scenarios. Accessed 2026-09-16.
13. [Terms & Conditions](https://relminsurance.com/terms-and-conditions/). Relm Insurance; Website terms; Contact Details: General Inquiries, Claims, Global Claims Response, US Claims Response, Complaints. Accessed 2026-09-16.
14. [Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Executives](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/). Relm Insurance; Opening product announcement; Comprehensive Protection with Immediate Response. Accessed 2026-09-16.

### [Risklytics Official Website](https://www.risklytics.ai/)

15. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
16. [About Risklytics](https://www.risklytics.ai/about/). Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
17. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9, 12; live HTML retrieved September 16, 2026. Accessed 2026-09-16.
18. [For insurers and wholesale markets](https://www.risklytics.ai/markets/). Risklytics; The lines we place; appetite form; Applications that state the exposure. Accessed 2026-09-16.
19. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; What it costs; broker fee row; No published rates; commission disclosure on request. Accessed 2026-09-16.
20. [Questions founders ask](https://www.risklytics.ai/faq/). Risklytics; Cost and process: What do we pay a broker?; What happens after we submit an application?. Accessed 2026-09-16.
21. [Contact a commercial insurance broker](https://www.risklytics.ai/contact/). Risklytics; Write to us; email response statement and contact form. Accessed 2026-09-16.
22. [Professional Liability (Tech E&O) insurance](https://www.risklytics.ai/lines/professional/). Risklytics; How hard to get; Common questions; general-description disclaimer. Accessed 2026-09-16.
23. [Intellectual Property insurance, explained](https://www.risklytics.ai/lines/intellectual-property/). Risklytics; Common questions; How hard to get; general-description disclaimer. Accessed 2026-09-16.
24. [Space insurance, explained](https://www.risklytics.ai/lines/space/). Risklytics; Built for moments like these; Common questions; general-description disclaimer. Accessed 2026-09-16.
25. [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch). California Department of Insurance; Initial agency-name search form only; no completed provider search or license result. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/relm-vs-risklytics.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)