--- title: "How Reliable Is Relm Insurance?" description: "Relm Insurance reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score." canonical: "https://spot.insure/insurance-providers/relm/reliability" page-type: "reliability-article" updated-at: "2026-09-22" verified-at: "2026-09-22" entities: ["Spot"] --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, and compare_providers for sourced comparisons. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/relm/reliability) # How Reliable Is Relm Insurance? Relm Insurance reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score. ## Assessment - **Role:** Hybrid role - **Scope:** Relm Insurance Ltd.'s Bermuda-domiciled regulated insurance activity and Relm US Insurance Solutions Inc.'s separately licensed US producer/MGA and surplus-lines activity for emerging-industry risks. The Bermuda carrier, US intermediary and external fronting carriers are kept distinct; no US carrier status is assigned to Relm US Insurance Solutions Inc. This partial Broker Spot Score covers identity and authority, carrier-network strength, disclosure clarity within the stated scope. It uses 75% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another. - **Broker Spot Score:** **5.3/10** - **Role:** Hybrid role - **Scope:** Relm Insurance Ltd.'s Bermuda-domiciled regulated insurance activity and Relm US Insurance Solutions Inc.'s separately licensed US producer/MGA and surplus-lines activity for emerging-industry risks. The Bermuda carrier, US intermediary and external fronting carriers are kept distinct; no US carrier status is assigned to Relm US Insurance Solutions Inc. - **Assessed:** 2026-09-21 - **Review due:** 2026-10-21 - **Factor basis:** Partial score; **75%** of this role’s weighting included. Included: Identity and Authority, Carrier-Network Strength, Disclosure Clarity. Excluded: Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.. This partial Carrier & MGA Spot Score covers identity and authority, financial resilience, claims and servicing, carrier-network strength, disclosure clarity within the stated scope. It uses 80% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another. - **Carrier & MGA Spot Score:** **6.1/10** - **Role:** Hybrid role - **Scope:** Relm Insurance Ltd.'s Bermuda-domiciled regulated insurance activity and Relm US Insurance Solutions Inc.'s separately licensed US producer/MGA and surplus-lines activity for emerging-industry risks. The Bermuda carrier, US intermediary and external fronting carriers are kept distinct; no US carrier status is assigned to Relm US Insurance Solutions Inc. - **Assessed:** 2026-09-21 - **Review due:** 2026-10-21 - **Factor basis:** Partial score; **80%** of this role’s weighting included. Included: Identity and Authority, Financial Resilience, Claims and Servicing, Carrier-Network Strength, Disclosure Clarity. Excluded: Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.. - **Methodology:** [How we calculate the Spot Score](/spot-rating) - **Provider profile:** [Relm Insurance](/insurance-providers/relm) ## Entities and roles | Entity | Role | Sources | | --- | --- | --- | | Relm Insurance Ltd. | Bermuda-domiciled regulated general insurer authorized by the Bermuda Monetary Authority under an Innovative Insurance General Business License (IIGB). | [Legal Information](https://relminsurance.com/legal-information/), [Strength And Stability](https://relminsurance.com/strength-and-stability/) | | Relm US Insurance Solutions Inc. | US producer, surplus-lines intermediary and MGA entity separately identified in Relm's US license table and MGA announcement; not identified as a US carrier. | [Legal Information](https://relminsurance.com/legal-information/), [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/) | | Trisura Specialty Insurance Company | External US fronting carrier named for Relm's US fronting arrangement; not a Relm-owned entity in the reviewed announcement. | [Relm Insurance Announces Fronting Partnership With Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/) | | Howden Broking Group | Reinsurance broker named in the Relm-Trisura fronting announcement. | [Relm Insurance Announces Fronting Partnership With Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/) | ## Research summary Relm publicly identifies Relm Insurance Ltd. as a Bermuda Monetary Authority-authorized IIGB insurer with an A, Exceptional Demotech financial-stability rating, and separately identifies Relm US Insurance Solutions Inc. as a US producer/MGA with state license disclosures. Relm's US fronting announcement names Trisura Specialty Insurance Company as external AM Best-rated paper, so US policy issuer and capacity remain product-specific. [Legal Information](https://relminsurance.com/legal-information/), [Strength And Stability](https://relminsurance.com/strength-and-stability/), [Relm Insurance Announces Fronting Partnership With Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/), [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/) ### Legal Identity Relm's public legal information distinguishes Relm Insurance Ltd., the Bermuda insurer, from Relm US Insurance Solutions Inc., the US producer/intermediary entity. The US MGA announcement and the license table do not convert the US intermediary into a US policy insurer. [Legal Information](https://relminsurance.com/legal-information/), [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/) ### Licensing Relm Insurance Ltd. reports a Bermuda Monetary Authority IIGB license. Relm US Insurance Solutions Inc. publishes producer, agency, broker and surplus-lines entries across US jurisdictions, including Wisconsin, Pennsylvania, California and New York; the table is company-reported and not treated as a complete independent regulator reconciliation. [Legal Information](https://relminsurance.com/legal-information/) Wisconsin OCI states that a firm's authority depends on its DRLP and active lines, so the Wisconsin intermediary number alone does not establish account-specific authority or appointment. [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx), [Legal Information](https://relminsurance.com/legal-information/) ### Financial Strength Relm states that Relm Insurance Ltd. has an A, Exceptional Financial Stability Rating from Demotech, undergoes an annual Deloitte audit and reported net admitted assets of $213 million at December 2025. These are company-reported Bermuda insurer facts, not statutory evidence for Relm US Insurance Solutions Inc. [Strength And Stability](https://relminsurance.com/strength-and-stability/), [Our Journey](https://relminsurance.com/our-journey/) The reviewed US fronting announcement names Trisura Specialty Insurance Company as A- rated by AM Best. That rating applies to the named external fronting carrier and does not establish Relm US Insurance Solutions Inc.'s financial strength or the issuer of every US product. [Relm Insurance Announces Fronting Partnership With Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/) ### Risk Bearing Relm Insurance Ltd. is the Bermuda risk-bearing entity in the reviewed materials. For the announced US book, Trisura Specialty Insurance Company is the external fronting paper and Howden is the reinsurance broker; the actual policy controls issuer, limits, capacity and reinsurance for a placement. [Legal Information](https://relminsurance.com/legal-information/), [Relm Insurance Announces Fronting Partnership With Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/) ### Claims Service Relm publishes a claims notice route and terms/complaints contacts. This establishes a documented service path, while the policy and named issuer determine the applicable claims obligations. [Claims](https://relminsurance.com/claims/), [Terms And Conditions](https://relminsurance.com/terms-and-conditions/) ### Regulatory Record The reviewed sources establish Bermuda authorization, US intermediary disclosures and the announced fronting structure but do not establish a completed five-year conduct result for Relm Insurance Ltd., Relm US Insurance Solutions Inc. or Trisura Specialty Insurance Company. No conclusion is drawn from that incomplete search. [Legal Information](https://relminsurance.com/legal-information/), [Relm Insurance Announces Fronting Partnership With Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) ## Licenses and authority | Entity | Jurisdiction | Identifier | Number | License type | Authority | Status | Verified | Sources | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | Relm US Insurance Solutions Inc. | Wisconsin | State license | 3003033639 | Intermediary Firm | Company-disclosed US intermediary license; independent Wisconsin status not independently established | Company-reported | 2026-09-21 | [Legal Information](https://relminsurance.com/legal-information/) | | Relm US Insurance Solutions Inc. | Pennsylvania | State license | 1175046 | Resident Producer Agency | Company-disclosed resident agency license | Company-reported | 2026-09-21 | [Legal Information](https://relminsurance.com/legal-information/) | | Relm US Insurance Solutions Inc. | Pennsylvania | State license | 1176608 | Resident Surplus Lines Agency | Company-disclosed resident surplus-lines agency license | Company-reported | 2026-09-21 | [Legal Information](https://relminsurance.com/legal-information/) | | Relm US Insurance Solutions Inc. | California | State license | 6013054 | Insurance Producer | Company-disclosed producer license | Company-reported | 2026-09-21 | [Legal Information](https://relminsurance.com/legal-information/) | | Relm US Insurance Solutions Inc. | New York | State license | BR-1849298 / EX-1849298 | Property and Casualty Broker / Excess Line | Company-disclosed broker and excess-line licenses | Company-reported | 2026-09-21 | [Legal Information](https://relminsurance.com/legal-information/) | ## Jurisdiction searches | Jurisdiction | Result | Notes | Sources | | --- | --- | --- | --- | | WI | Not researched | Relm publishes Wisconsin intermediary firm number 3003033639; Wisconsin OCI Agent FAQ identifies the relevant authority rule, but current authority was not independently established. | [Legal Information](https://relminsurance.com/legal-information/), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) | | US | Not researched | Relm publishes a multi-state US producer and surplus-lines table; a complete current regulator reconciliation was not completed. | [Legal Information](https://relminsurance.com/legal-information/) | | Bermuda | Company-reported | Relm's current legal information identifies the BMA IIGB authorization; independent BMA register verification was not separately established. | [Legal Information](https://relminsurance.com/legal-information/) | ## Rating dimensions ### Broker Spot Score Included weighting: **75%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors: - **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [Legal Information](https://relminsurance.com/legal-information/), [Relm Insurance Announces Fronting Partnership With Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) | Dimension | Score (0–4) | Weight | Contribution (/10) | Sources | | --- | ---: | ---: | ---: | --- | | Identity and Authority | 2.2 | 30% | 2.20 | [Legal Information](https://relminsurance.com/legal-information/), [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) | | Carrier-Network Strength | 2.02 | 30% | 2.02 | [Legal Information](https://relminsurance.com/legal-information/), [Relm Insurance Announces Fronting Partnership With Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/) | | Disclosure Clarity | 2.16 | 15% | 1.08 | [Legal Information](https://relminsurance.com/legal-information/), [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx), [Relm Insurance Announces Fronting Partnership With Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/), [Claims](https://relminsurance.com/claims/), [Terms And Conditions](https://relminsurance.com/terms-and-conditions/) | ### Carrier & MGA Spot Score Included weighting: **80%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors: - **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [Legal Information](https://relminsurance.com/legal-information/), [Relm Insurance Announces Fronting Partnership With Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) | Dimension | Score (0–4) | Weight | Contribution (/10) | Sources | | --- | ---: | ---: | ---: | --- | | Identity and Authority | 2.16 | 15% | 1.01 | [Legal Information](https://relminsurance.com/legal-information/), [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) | | Financial Resilience | 2.83 | 20% | 1.77 | [Strength And Stability](https://relminsurance.com/strength-and-stability/), [Our Journey](https://relminsurance.com/our-journey/), [Relm Insurance Announces Fronting Partnership With Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/), [Legal Information](https://relminsurance.com/legal-information/) | | Claims and Servicing | 2.04 | 20% | 1.27 | [Legal Information](https://relminsurance.com/legal-information/), [Relm Insurance Announces Fronting Partnership With Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/), [Claims](https://relminsurance.com/claims/), [Terms And Conditions](https://relminsurance.com/terms-and-conditions/) | | Carrier-Network Strength | 2.02 | 15% | 0.95 | [Legal Information](https://relminsurance.com/legal-information/), [Relm Insurance Announces Fronting Partnership With Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/) | | Disclosure Clarity | 3.39 | 10% | 1.06 | [Legal Information](https://relminsurance.com/legal-information/), [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx), [Relm Insurance Announces Fronting Partnership With Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/), [Claims](https://relminsurance.com/claims/), [Terms And Conditions](https://relminsurance.com/terms-and-conditions/) | ## Evidence gaps - Independent current regulator confirmation of the listed Relm US Insurance Solutions Inc. licenses, DRLPs, appointments and product-specific authority. - Current Bermuda statutory financial statements, capital adequacy detail and the rating agency's underlying report for Relm Insurance Ltd. - Policy-specific allocation among Relm Insurance Ltd., Trisura and any other fronting or reinsurance capacity, including limits and retention. - Current entity-specific rating and statutory evidence for Trisura Specialty Insurance Company beyond the announcement's A- AM Best reference. - Complete five-year regulatory and enforcement search for each named entity. ## Related terms - [What Is a Full-Stack Insurance Provider?](/insurance-glossary/full-stack-insurance-provider) - [What Is an Insurance Broker?](/insurance-glossary/insurance-broker) - [What Is an Insurance Producer License?](/insurance-glossary/insurance-producer-license) - [What Is a National Producer Number?](/insurance-glossary/national-producer-number) - [What Is an AM Best Rating?](/insurance-glossary/am-best-rating) ## Sources - [Legal Information](https://relminsurance.com/legal-information/) — Relm Insurance; Bermuda License and US Licenses sections: Relm Insurance Ltd. is authorized by the Bermuda Monetary Authority with an Innovative Insurance General Business License; Relm US Insurance Solutions Inc. state producer and surplus-lines table, including Wisconsin 3003033639 and Pennsylvania resident agency/surplus-lines numbers; accessed 2026-09-21. - [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/) — Relm Insurance; Announcement identifying the US MGA launch, Relm US Insurance Solutions Inc. and its distribution/underwriting role for US business; accessed 2026-09-21. - [Strength And Stability](https://relminsurance.com/strength-and-stability/) — Relm Insurance; Rated and Regulated; Transparent and robust governance; Capital Strength: Bermuda domicile and BMA regulation, A Exceptional Demotech rating, annual Deloitte audit, independent loss-reserve opinions, and company statement that it has no debt; accessed 2026-09-21. - [Our Journey](https://relminsurance.com/our-journey/) — Relm Insurance; Milestones: 2021 A Exceptional Demotech rating; December 2025 net admitted assets of $213 million; January 2025 Relm US launch licensed in all 50 states; accessed 2026-09-21. - [Relm Insurance Announces Fronting Partnership With Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/) — Relm Insurance; Full-fronting agreement for Relm's US book; Trisura Specialty Insurance Company named as fronting carrier, rated A- by AM Best; Howden named reinsurance broker; Relm's Bermuda license and Demotech rating; accessed 2026-09-21. - [Claims](https://relminsurance.com/claims/) — Relm Insurance; Claims notice and contact route for Relm insureds and brokers; accessed 2026-09-21. - [Terms And Conditions](https://relminsurance.com/terms-and-conditions/) — Relm Insurance; Terms, claims and complaints contact information; policy terms govern coverage and regulatory availability; accessed 2026-09-21. - [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) — Wisconsin Office of the Commissioner of Insurance; Agent FAQ, Business Entities/Firms: firm authority depends on its Designated Responsible Licensed Producer and actively held lines; State Based Systems is the lookup path.; accessed 2026-09-21. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/relm/reliability.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)