Is Relm Insurance Legit? Licensing, Carriers and Reliability
Relm Insurance has no Broker Reliability Score because the reviewed evidence is insufficient for a numerical assessment. Relm Insurance has no Carrier & MGA Reliability Score because the reviewed evidence is insufficient for a numerical assessment. Reliability Scores assess documented reliability within the reviewed scope; they do not predict claims payment.
Relm Insurance Reliability Scores for 2026
Relm Insurance Broker Reliability Score
Assessment status unavailable
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.
Assessment subject unavailable
Assessed 2026-09-23 · Review due 2026-10-23
Relm Insurance Carrier & MGA Reliability Score
Assessment status 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.
Assessment subject unavailable
Assessed 2026-09-23 · Review due 2026-10-23
What Evidence Supports Spot’s Assessment of Relm Insurance?
Role: Hybrid provider. 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.
Relm Insurance Legal Identity
Relm Insurance 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.[1]
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.[8][1]
Relm Insurance 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.[3][4]
Relm's US fronting announcement names Trisura Specialty Insurance Company as the fronting carrier for its US book. AM Best's record for Trisura Specialty Insurance Company (AMB 020575, NAIC 16188), captured on 23 September 2026, shows a Financial Strength Rating of A- (Excellent) and a Long-Term Issuer Credit Rating of a- (Excellent), each with a stable outlook and affirmed effective 31 July 2026, with affiliation code g (Group) and Financial Size Category X (USD 500–750 million), within the rating unit of Trisura Group Ltd. That rating belongs to the external fronting carrier. It does not establish the financial strength of Relm Insurance Ltd. or Relm US Insurance Solutions Inc., or the issuer of every US product.[5][9]
An AM Best Global Company Search for 'relm insurance' on 23 September 2026 found no record. That doesn't prove Relm Insurance Ltd. has no rating anywhere. The rating Relm discloses for itself is from Demotech, not AM Best.[10][3]
Relm Insurance 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.[1][5]
Relm Insurance Claims Service
Relm Insurance 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.[1][5][8]
Evidence Gaps in Spot’s Review of Relm Insurance
- 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 statutory evidence for Trisura Specialty Insurance Company. AM Best's record gives its ratings and size category, not financial statements.
- Complete five-year regulatory and enforcement search for each named entity.
Jurisdiction Searches Run for Relm Insurance
| Jurisdiction | Result | Notes |
|---|---|---|
 WisconsinWisconsin Office of the Commissioner of Insurance | Not researched[1][8] | Relm publishes Wisconsin intermediary firm number 3003033639; Wisconsin OCI Agent FAQ identifies the relevant authority rule, but current authority was not independently established. |
 United States | Not researched[1] | Relm publishes a multi-state US producer and surplus-lines table; a complete current regulator reconciliation was not completed. |
| BBermuda | Company-reported disclosure[1] | Relm's current legal information identifies the BMA IIGB authorization; independent BMA register verification was not separately established. |
Relm Insurance Licenses and Authority Records
These are reviewed authority records for the named legal entities and scope. A license record does not establish that a particular policy is available, bound, or suitable.
| Entity and jurisdiction | Identifier | License class and authority |
|---|---|---|
| Relm US Insurance Solutions Inc.Wisconsin | State license: 3003033639[1] | Intermediary Firm; Company-disclosed US intermediary license; independent Wisconsin status not independently established |
Relm US Insurance Solutions Inc. Pennsylvania | State license: 1175046[1] | Resident Producer Agency; Company-disclosed resident agency license |
| Relm US Insurance Solutions Inc.Pennsylvania | State license: 1176608[1] | Resident Surplus Lines Agency; Company-disclosed resident surplus-lines agency license |
Relm US Insurance Solutions Inc. California | State license: 6013054[1] | Insurance Producer; Company-disclosed producer license |
Relm US Insurance Solutions Inc. New York | State license: BR-1849298 / EX-1849298[1] | Property and Casualty Broker / Excess Line; Company-disclosed broker and excess-line licenses |
Sources for Relm Insurance Reliability Research
- 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. 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. 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. 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. 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. Relm Insurance; Claims notice and contact route for Relm insureds and brokers. Accessed 2026-09-21.
- 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. 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.
- Trisura Specialty Insurance Company - Company Profile - Best's Credit Rating Center. AM Best; Company profile captured by the publisher on 23 September 2026: Trisura Specialty Insurance Company, AMB 020575, NAIC 16188. Financial Strength Rating A- (Excellent); outlook Stable; action Affirmed; effective 31 July 2026; affiliation code g (Group). Long-Term Issuer Credit Rating a- (Excellent); outlook Stable; action Affirmed; effective 31 July 2026. Financial Size Category X (USD 500–750 Million). Rating unit or ultimate parent: 046559 - Trisura Group Ltd.. Accessed 2026-09-23.
- Best's Credit Rating Center Global Company Search - relm insurance. AM Best; Global Company Search for 'relm insurance' captured by the publisher on 23 September 2026: No record found. This is not a finding that Relm Insurance Ltd. holds no rating anywhere. Accessed 2026-09-23.
Which Coverage Lines Does Spot Document for Relm Insurance?
Product pages for coverage lines documented for Relm Insurance.
- Relm Insurance Commercial Property Insurance
- Relm Insurance Crime Insurance
- Relm Insurance Cyber Insurance
- Relm Insurance D&O Insurance
- Relm Insurance Digital Asset Insurance
- Relm Insurance Employment Practices Liability Insurance
- Relm Insurance Fiduciary Liability Insurance
- Relm Insurance General Liability Insurance
- Relm Insurance Generative AI Liability Insurance
- Relm Insurance Inland Marine Insurance
- Relm Insurance Kidnap and Ransom Insurance
- Relm Insurance Media Liability Insurance
- Relm Insurance Product Liability Insurance
- Relm Insurance Professional Liability (E&O) Insurance
- Relm Insurance Surety Bonds
- Relm Insurance Tech E&O Insurance
- Relm Insurance Umbrella and Excess Liability Insurance
