--- title: "Is Relm Insurance Legit? Licensing, Carriers and Reliability" description: "This partial score helps you identify the entities and insurer relationships behind Relm’s specialty products before asking a broker for the proposed policy issuer." canonical: "https://thegeneralaverage.com/insurance-providers/relm/reliability" page-type: "reliability-article" updated-at: "2026-09-25" provider: "relm" content-type: "reliability" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, 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://thegeneralaverage.com/insurance-providers/relm/reliability) ## Agent Guide **What this page is:** Spot's evidence-based reliability assessment of Is Relm Insurance Legit? Licensing, Carriers and, scored per role (for example broker, carrier, managing general agent) with the regulatory and financial-strength evidence used. **Use this page when:** Cite this page to answer whether Is Relm Insurance Legit? Licensing, Carriers and is reliable or financially sound. Scores apply to the assessed entity and role named on the page, not to every company under the brand. **Questions this page answers:** - Is Is Relm Insurance Legit? Licensing, Carriers and reliable? - Is Is Relm Insurance Legit? Licensing, Carriers and financially strong and properly licensed? - How was Is Relm Insurance Legit? Licensing, Carriers and scored and why? **Key facts:** - Entity: Is Relm Insurance Legit? Licensing, Carriers and (provider slug `relm`). - Each role is scored against its own rubric; scores are never comparable across rubrics. **Limits (do not over-claim):** - A Reliability Score is a research assessment, not a rating agency grade, guarantee of claims payment or recommendation. - Where the page says an assessment is unavailable or partial, no score should be inferred. - The scored entity may differ from the brand name; read the assessed-entity line before quoting a score. **Provenance:** Based on regulatory filings and public financial disclosures cited on the page; updated 2026-09-25. Methodology at /reliability-score. **Related pages:** - [Provider reliability directory](https://thegeneralaverage.com/insurance-reliability) — parent hub - [How the Reliability Score works](https://thegeneralaverage.com/reliability-score) — methodology: rubric, weights, evidence rules - [Is Relm Insurance Legit? Licensing, Carriers and profile](https://thegeneralaverage.com/insurance-providers/relm) — same provider: provider profile: products, coverage lines and sources - [Is Relm Insurance Legit? Licensing, Carriers and reviews](https://thegeneralaverage.com/insurance-providers/relm/reviews) — same provider: customer review evidence and Reliability Score - [Is Relm Insurance Legit? Licensing, Carriers and alternatives](https://thegeneralaverage.com/insurance-providers/relm/alternatives) — same provider: closest alternative providers # Is Relm Insurance Legit? Licensing, Carriers and Reliability This partial score helps you identify the entities and insurer relationships behind Relm’s specialty products before asking a broker for the proposed policy issuer. ## Relm Insurance Reliability Scores for 2026 - **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. **Assessment subject unavailable** This partial Broker Reliability 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 Reliability Score:** **Assessment subject unavailable** - **Subject:** Assessment subject unavailable - **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:** 2026-09-23 - **Review due:** 2026-10-23 - **Factor basis:** No current numerical score because assessment subject attribution is unavailable. **Assessment subject unavailable** This partial Carrier & MGA Reliability 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 Reliability Score:** **Assessment subject unavailable** - **Subject:** Assessment subject unavailable - **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:** 2026-09-23 - **Review due:** 2026-10-23 - **Factor basis:** No current numerical score because assessment subject attribution is unavailable. - **Methodology:** [How we calculate the Reliability Score](https://thegeneralaverage.com/reliability-score) - **Provider profile:** [Relm Insurance](https://thegeneralaverage.com/insurance-providers/relm) ## What Evidence Supports Spot’s Assessment of Relm Insurance? ### Relm Insurance 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/) ### 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. [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/) ### 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. [Strength And Stability](https://relminsurance.com/strength-and-stability/), [Our Journey](https://relminsurance.com/our-journey/) 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. [Relm Insurance Announces Fronting Partnership With Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/), [Trisura Specialty Insurance Company - Company Profile - Best's Credit Rating Center](https://ratingservices.ambest.com/CompanyProfile?ambnum=20575) 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. [Best's Credit Rating Center Global Company Search - relm insurance](https://ratingservices.ambest.com/), [Strength And Stability](https://relminsurance.com/strength-and-stability/) ### 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. [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/) ### Relm Insurance 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/) ### 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. [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) ## Relm Insurance Licenses and Authority Records | Entity | Jurisdiction | Identifier | Number | License type | Authority | Sources | | --- | --- | --- | --- | --- | --- | --- | | Relm US Insurance Solutions Inc. | Wisconsin | State license | 3003033639 | Intermediary Firm | Company-disclosed US intermediary license; independent Wisconsin status not independently established | [Legal Information](https://relminsurance.com/legal-information/) | | Relm US Insurance Solutions Inc. | Pennsylvania | State license | 1175046 | Resident Producer Agency | Company-disclosed resident agency license | [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 | [Legal Information](https://relminsurance.com/legal-information/) | | Relm US Insurance Solutions Inc. | California | State license | 6013054 | Insurance Producer | Company-disclosed producer license | [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 | [Legal Information](https://relminsurance.com/legal-information/) | ## Jurisdiction Searches Run for Relm Insurance | 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/) | ## Relm Insurance Rating Dimensions ### Relm Insurance Broker Reliability Score No numerical factor breakdown is published for the Broker Reliability Score. ### Relm Insurance Carrier & MGA Reliability Score No numerical factor breakdown is published for the Carrier & MGA Reliability Score. ## 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. ## Insurance Terms Related to Relm Insurance - [What Is a Full-Stack Insurance Provider?](https://thegeneralaverage.com/insurance-glossary/full-stack-insurance-provider) - [What Is an Insurance Broker?](https://thegeneralaverage.com/insurance-glossary/insurance-broker) - [What Is an Insurance Producer License?](https://thegeneralaverage.com/insurance-glossary/insurance-producer-license) - [What Is a National Producer Number?](https://thegeneralaverage.com/insurance-glossary/national-producer-number) - [What Is an AM Best Rating?](https://thegeneralaverage.com/insurance-glossary/am-best-rating) ## Sources for Relm Insurance Reliability Research - [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. - [Trisura Specialty Insurance Company - Company Profile - Best's Credit Rating Center](https://ratingservices.ambest.com/CompanyProfile?ambnum=20575) — 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](https://ratingservices.ambest.com/) — 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. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/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://thegeneralaverage.com/llms.txt)