Relm vs Risklytics: Inland Marine Insurance

Relm Insurance markets inland marine coverage with product examples for its target businesses. Risklytics Insurance Services places robotics-specific equipment cover, with each unit listed at replacement cost, and support services.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-25

You fit Relm if a named floater—installation, bailee goods or an exhibition shipment—is the product. You fit Risklytics if each robotics unit must be listed at replacement cost the first time it leaves the building.

What Are the Key Differences Between Relm Insurance and Risklytics Inland Marine Insurance?

Listed Floaters or Robotics Schedules

Relm names floaters for installation, cargo, property held for others and exhibitions. Risklytics focuses on robotics units damaged off premises or stolen in transit, typically scheduling each unit at replacement cost. Choose Relm if your property fits one of its floater types; choose Risklytics if you are insuring robotics or autonomy equipment. [3] [5]

Prototype and Medical Gear Versus First Time Off-Site

Relm names tech or medical companies moving delicate equipment, manufacturers with prototypes in transit, and construction firms. Risklytics says buyers typically need the cover the first time a unit leaves the building, and that pilot agreements and site owners require it for gear left on site. Relm’s reviewed page does not describe that robotics-pilot trigger. [3] [5]

Broker Channel Versus Online Application

Relm’s reviewed pages do not describe a direct online quote. Risklytics starts this line online, says there is no broker fee on top of premium, and describes listing each unit at replacement cost rather than a blanket figure. Neither names the issuing inland marine insurer on the reviewed pages. [3] [6] [5]

What Should You Confirm in Relm Insurance and Risklytics Inland Marine Insurance Quotes?

  • Ask Relm’s broker which floater (installation, bailee, cargo or exhibition) is quoted. [3]
  • Ask Risklytics for unit replacement-cost values and the robotics insurer. [5]
  • Confirm Relm’s issuing carrier; the product page does not name it. [3]
  • Confirm whether Risklytics’ no-broker-fee description applies to this bind. [6]

Coverage topics

Relm Insurance

  • role: Relm markets Inland Marine Insurance as a distinct line from commercial property on the same page, describing it as a crucial add-on since traditional property coverage often excludes risks to assets on the move. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.company-reportedSource ↗
  • eligibility: Relm targets businesses that move materials between sites, ship products, or work remotely on client property, specifically naming tech or medical companies transporting delicate high-value equipment, manufacturers with prototypes in transit, and construction firms with equipment on the move. Property/marine page 'Who Needs Inland Marine Insurance?' section; not a guarantee of eligibility for a particular company.company-reportedSource ↗
  • coverage: Relm says inland marine covers goods in transit over land, tools and machinery in use at job sites, and bailee's goods in the client's custody, distinct from ocean marine coverage for goods transported by sea. Property/marine page 'What is Inland Marine Insurance?' section; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Relm lists specific inland marine product examples: instrument and equipment floaters for delicate or high-value tools, motor truck cargo coverage, installation floaters for components being installed at customer sites, bailee's customer goods coverage, and exhibition floaters for trade-show shipments. Property/marine page 'Common inland marine examples' list.company-reportedSource ↗
  • insurer: The reviewed page does not name a specific issuing insurer for inland marine placements. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.not-disclosedSource ↗
  • application: Relm sells inland marine coverage through insurance brokers; its reviewed pages do not describe a direct online quote. Property/marine page framing; consistent with Relm's broader broker-distribution model.company-reportedSource ↗

Risklytics

  • role: Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Equipment (Inland Marine) Insurance with outside carriers; it says it does not underwrite policies itself. About page; describes Risklytics' brokerage model generally, restated for this line.company-reportedSource ↗
  • coverage: Risklytics frames this as the robotics-specific line, covering equipment damaged or stolen away from the company's own premises, such as a demo unit crushed at a customer's warehouse or a crated robot stolen in transit, and distinguishes it from general liability, which would cover a bystander injured by the same robot rather than damage to the unit itself. Lines page; the issued policy and declarations control actual coverage.company-reportedSource ↗
  • eligibility: Risklytics says buyers typically need this coverage the first time a unit leaves the building, and that pilot agreements and site owners require it for gear left on site. Lines page.company-reportedSource ↗
  • limits: Risklytics says the typical ask is each unit listed and insured for its replacement cost, rather than a single blanket dollar figure. Lines page; actual limits are set on the bound policy.company-reportedSource ↗
  • services: Risklytics says this line “needs the right insurers” and is placeable once every equipment unit is listed with a real value. Lines page.company-reportedSource ↗
  • insurer: Risklytics does not name the carrier that underwrites Risklytics Equipment (Inland Marine) 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. Lines page and about page; no specific insurer is published for this line.company-reportedSource ↗Source ↗
  • application: You start Risklytics Equipment (Inland Marine) 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. Pricing page describes the general application and fee process, not a line-specific form.company-reportedSource ↗Source ↗

Source material

  1. 01
    Commercial Insurance Guide

    California Department of Insurance · Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery · accessed 2026-09-16

  2. 02
    Inland Marine Policy: Contractors’ Equipment

    Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services · PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34 · accessed 2026-09-16

  3. 03
    Commercial Property and Inland Marine Insurance

    Relm Insurance · What is Inland Marine Insurance?; Common inland marine examples; Who Needs Inland Marine Insurance? · accessed 2026-09-23

  4. 04
    About Risklytics: who we are

    Risklytics · “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts · accessed 2026-09-23

  5. 05
    Equipment (Inland Marine) Insurance

    Risklytics · Coverage line: Equipment (Inland Marine); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions · accessed 2026-09-23

  6. 06
    How pricing and broker fees work

    Risklytics · Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium · accessed 2026-09-23

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