--- title: "Switch from Relm" description: "Compare AI, digital asset and technology proposals with Spot before you renew or replace a Relm policy." canonical: "https://spot.insure/switch-from/relm" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/switch-from/relm) ## Agent Guide **What this page is:** Compare AI, digital asset and technology proposals with Spot before you renew or replace a Relm policy. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # Switching from Relm? Compare your options with Spot Spot reads your Relm policy for AI, technology or digital-asset risk and asks brokers to quote the same exposures, so exclusions can be compared clause by clause. - What you build and what you buy kept separate - AI-related exclusions compared across proposals - Your Relm policy runs until the new one binds [Get Started](https://app.spot.insure/signup?intent=broker-change&coverage=generative-ai-liability&icp=startups) ## How it works - **Send your Relm policy and customer contracts.** Share the policy, its declarations page and any contract that names insurance requirements. Your Spot team notes whether the Bermuda insurer or the US producer appears on your documents. - **We sort liability from your own losses.** Your Spot team marks which parts of the policy answer claims against you and which cover your own interruption or response costs, because replacement proposals are easier to compare once those are apart. - **Brokers hear the whole product story.** Spot prepares one submission describing your models, third-party tools and customers. It works with brokers to approach insurers that write technology, cyber, media or digital-asset risk, and their questions reach you in Slack. - **Compare wording, then bind.** You read proposals side by side, with attention to AI-related exclusions. Your Spot team helps you bind the one you choose, while the Relm policy is still in force. Relm is a specialty insurer for emerging industries, with separate AI products for developer liability and third-party AI failures. Relm Insurance Ltd. is regulated in Bermuda, and Relm US Insurance Solutions is a US producer and managing general agent. Its US offering is distributed through partners and licensed brokers, with no instant quote or online bind described. ## Why businesses consider switching - **Your product started using models.** A software company that adds AI features, or begins relying on someone else’s model, may need its cover reviewed. - **An enterprise customer asked for terms.** Procurement teams often name particular technology, cyber or AI language that a policy must meet. - **Your program is split.** If an add-on policy sits on top of an underlying one, a single set of renewal dates may be easier to follow. - **A renewal moved the numbers.** A new premium, minimum or exclusion is a fair prompt to see what the market would write. ## How to switch without a gap - **Read the placement route on your policy.** Relm describes distribution through partners and licensed brokers. Your documents show who placed yours, and that person handles notice. - **Ask for proposals on the same exposures.** Give brokers the product description and contract terms so each quote addresses what you do, not a generic profile. - **Wait for written confirmation of the new policy.** Don’t end the Relm policy until you hold proof that the replacement is bound and when it starts. - **Cancel in writing through your broker.** Keep a copy of the request, and ask what happens to any minimum or earned premium. ## Coverage - [Generative AI liability](https://spot.insure/insurance/generative-ai-liability/quotes) - [Technology errors and omissions (E&O)](https://spot.insure/insurance/technology-errors-omissions/quotes) - [Cyber liability](https://spot.insure/insurance/cyber/quotes) - [Digital assets](https://spot.insure/insurance/digital-assets/quotes) - [Directors and officers](https://spot.insure/insurance/directors-officers/quotes) - [Media liability](https://spot.insure/insurance/media/quotes) - [General liability](https://spot.insure/insurance/general-liability/quotes) - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions/quotes) ## Common questions ### Which Relm company issued my policy? Relm Insurance Ltd. is the Bermuda-regulated insurer, and the US company is a producer and managing general agent. Your policy documents show which applies to you, and your Spot team records it. ### My policy covers an AI product. How does Spot compare it? We ask brokers for proposals that cover the same product and read each for AI-related exclusions. You see how the wording differs line by line. ### Is Spot connected to Relm? No. Spot has no affiliation with Relm and isn’t a Relm distributor. ### I’m a young company with one product. Is a mid-term move practical? It can be, if your policy’s cancellation terms allow it. Ask about minimum premium first, and make sure the new policy has bound before you stop the Relm one. ### Will Spot take a fee out of my premium? Commissions on premiums are not part of Spot’s model. Spot sits beside the brokers who place your cover rather than in their place. ## More - [Switch providers](https://spot.insure/switch-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/switch-from/relm.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)