
Our Core Values
Our values keep us working towards our vision, consistently creating new solutions for complex risks in innovative markets.
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01
Accountability
Taking initiative, holding ourselves to high standards, and focusing on execution.
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02
Collaboration
Achieving greatness through diversity, working closely with clients, and believing in the power of joint innovation.
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03
Curiosity and Creativity
Always learning, leveraging imagination to drive innovation, and applying knowledge in new ways.
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04
Courage and Optimism
Seeing challenges as opportunities, embracing the unfamiliar, and confidently disrupting the status quo.
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05
Client Obsession
Recognizing clients as the core of our existence, basing solutions on their needs, and working tirelessly to earn and keep their trust.
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Protecting our environment
We collaborate with Clean This Beach Up, an organization dedicated to environmental stewardship through beach cleanups. We actively participate in their initiatives, removing harmful debris from our shores and contributing financially to their local efforts.
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Funding education in insurance
As a business that believes in innovation, we know how important fresh and diverse thinking is, and we want to see more of it in our industry. That’s why we donate to the scholarship and education programs of the Bermuda Foundation for Insurance Studies.
By partnering with these organizations, we contribute to building a stronger, healthier future for our community. We encourage our employees to volunteer their time and expertise, fostering a culture of social responsibility within Relm.
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Bridging the future with the present through social impact
At Relm, we help innovative businesses take bold strides into tomorrow. But we also recognize the importance of practical hands-on help today. That’s why we seek to bridge the gap between cutting-edge solutions and the immediate needs we see in our community through impactful partnerships.
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Supporting those in need
We partner with Chapman’s Partnership, Miami’s largest center assisting families in need. They offer comprehensive support, including shelter, healthcare access, and guidance towards self-sufficiency. By participating in meal services, donating essentials, and organizing holiday drives, we contribute to building a brighter present for these families.
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Protecting our environment
We collaborate with Clean This Beach Up, an organization dedicated to environmental stewardship through beach cleanups. We actively participate in their initiatives, removing harmful debris from our shores and contributing financially to their local efforts.
-
Funding education in insurance
As a business that believes in innovation, we know how important fresh and diverse thinking is, and we want to see more of it in our industry. That’s why we donate to the scholarship and education programs of the Bermuda Foundation for Insurance Studies.
By partnering with these organizations, we contribute to building a stronger, healthier future for our community. We encourage our employees to volunteer their time and expertise, fostering a culture of social responsibility within Relm.
-
Bridging the future with the present through social impact
At Relm, we help innovative businesses take bold strides into tomorrow. But we also recognize the importance of practical hands-on help today. That’s why we seek to bridge the gap between cutting-edge solutions and the immediate needs we see in our community through impactful partnerships.
-
Supporting those in need
We partner with Chapman’s Partnership, Miami’s largest center assisting families in need. They offer comprehensive support, including shelter, healthcare access, and guidance towards self-sufficiency. By participating in meal services, donating essentials, and organizing holiday drives, we contribute to building a brighter present for these families.
Redefine your career limits
Innovation isn’t just a buzzword for us – it’s a way of life. Our teams are united by a shared passion for breaking the mold and redefining possibilities. It’s an environment where hierarchies dissolve and make way for a culture of inclusivity and empowerment, where every voice matters, and every idea has the potential to spark transformative change.


Life at Relm
“Working alongside the innovators that are truly reshaping the world we live in is a real gift. No day at Relm is ever the same, and there’s an energy and purpose inside the business that’s hard to find.”
Donavan Burgess, SVP, Head of Underwriting

Explore Relm…
Our Journey
Innovation needs solid foundations. So we're proud of our financial performance and commitment to responsible growth over the years.
Learn more Learn moreStrength & Stability
As an insurer focusing on innovative industries, building confidence and trust has been fundamental to our success.
Learn more Learn moreBoard & Management
Relm has built a market-leading team of insurance professionals and sector experts.
Learn more Learn moreCareers
Come and unleash your full potential at the cutting edge of insurance.
Learn more Learn moreLatest News & Insights
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Relm CEO Featured in Wall Street Journal
Relm Insurance CEO, Joseph Ziolkowski, recently was featured in a Wall Street Journal article titled “Insurance Provid…
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Leading Global Crypto Insurer Announces Launch of New Crypto-Collateralized Reinsurance Business
Bitcoin Miami, 6th April 2022: Relm, the world’s leading insurance provider to the crypto sector and the first and onl…
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Relm launches insurance solutions for cryptocurrency and cannabis businesses
Relm will service the insurance needs of business sectors which are new to the economy but are likely to become signific…
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Relm Insurance, Deltec, Delchain and talk ‘Future of Banking’ at FOE Miami Experience
Relm Insurance Ltd, Deltec International Group, along with Delchain Limited were proud sponsors at the FOE Miami l Refr…
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Insurance Post Analysis: How are insurers responding to the rise of cryptocurrencies?
A recent report from Deutsche Bank predicted that cryptocurrency adoption will hit 200 million users by 2030.
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Insurance Day Viewpoint: Insurance Has A Critical Role In the Development of the Crypto-Currency Sector
Digital assets businesses such as cryptocurrency custodians, exchanges and other digital asset services providers are at…
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Planet Math: Where Community-Driven Business Meets a Love of Numbers
04/23/2025 - Roughly a decade ago, in a small room tucked away in St. George’s, Planet Math began as a modest tutori…
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Relm Insurance and Liva Insurance Obtain Central Bank Approval in the UAE for Web3 Insurance Solutions
04/14/2025 - Through this partnership Liva and Relm aim to cater to businesses in high-growth innovative sectors often n…
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How BFIS Is Shaping Tomorrow’s Insurance Leaders
03/27/2025 - In the heart of Bermuda, the Bermuda Foundation for Insurance Studies (BFIS) has been quietly transforming …
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Relm Insurance Introduces SIGMA: A Comprehensive Package Policy for Innovative Businesses
03/26/25 – Relm Insurance (“Relm”), a leading specialty insurance carrier for emerging industries, has launched SI…
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Relm Named Finalist in Cyber Insurance Awards USA 2025
02/26/2025 - This recognition highlights our commitment to innovation, resilience, and protecting businesses from evolvi…
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Relm Insurance and Liva Group Empower Innovation and Entrepreneurship in Web3 and AI Through Strategic Insurance Partnership
02/26/2025 - Liva and Relm focus on businesses in high-growth innovative sectors often not covered by traditional insura…
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Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs
02/13/2025 - Many modern businesses harnessing AI are having trouble adapting systems to an ever-evolving landscape. Acc…
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Relm Insurance MENA and ACX Compliance Publish Guidance for Crypto Firms Navigating VARA Regulations
02/10/2025 - ACX Compliance, the world’s first crypto compliance firm, and Relm Insurance — the leading specialty in…
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Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations
02/05/25 - In 2024, insurance brokers would be hard pressed to find clients who aren’t using a modicum of third-party …
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Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers
01/27/25 - AI cyber security stories have flooded the media since Artificial Intelligence became part of the broader pub…
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Relm Addresses Growing Risk of Crypto Exchange Bankruptcy with Innovative FALTAWEB3 Product Launch
01/21/25 - Relm Insurance (‘Relm’), the leading specialty insurance carrier supporting emerging and innovative indus…
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Redefining Risk: How AI is Changing Liability in the Digital World
01/20/25 - AI risk might not be the first thing that comes to mind when thinking of chat bots or ecommerce automations, …
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Relm Insurance Launches AI Liability Solutions to Address Emerging Risks in the AI Ecosystem
01/14/25 - Relm Insurance (‘Relm’), the leading provider of innovative insurance solutions, is excited to announce t…
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Relm Becomes First Specialty Insurer for Innovative Industries with 50-State MGA, Led by Industry Veteran Keith Lavigne
12/11/24 - Broader Footprint a Pivotal Step in Relm’s Mission to Provide Innovative Insurance in Cutting-Edge Markets.…
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Relm Extends its NOVA Cyber Technology Coverage Beyond Web3 as Client Demand Drives Product Evolution
10/14/24 - Relm’s Successful NOVAWEB3 offering spurs broader roll-out
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Relm Launches Industry First Bitcoin Denominated Insurance Policy for Bitcoin Miners
10/03/24 - Relm Insurance ("Relm"), a leading specialty insurance carrier supporting emerging and innovative sectors, to…
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Frontier Global Underwriting and Relm Insurance Renew Binding Authority Agreement
09/16/24 - Frontier Global Underwriting (“Frontier”) and Relm Insurance (“Relm”) are pleased to announce the ren…
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Relm Retains Space Economy Expert to Remain at Forefront of Emerging Sector
08/28/24 - Relm Insurance ("Relm"), a leading specialty insurance carrier supporting emerging and innovative industries,…
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Relm Taps Web3 Cyber Security Leader CyVers for Comprehensive Suite of Security Measures
Relm Insurance today announced a venture with CyVers, a leading Web3 cybersecurity and threat insights provider, to deli…
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Relm Insurance Expands into the MENA Region
Relm Insurance Ltd., proudly announces its foray into the MENA region through the acquisition of B&F Partners Ltd., now …
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Relm Partners with SideChannel to Enhance Cybersecurity for Clients
Relm Insurance and SideChannel, a prominent provider of cybersecurity services and technology, are thrilled to announce …
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Relm Insurance Launches Difference in Conditions Policy Offering
Side A DIC Responds to Industry Demand for Additional Layer of D&O Liability
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Relm Insurance Launches Employment Practices Coverage to Fill Industry Void
Relm, a leading specialty insurance carrier supporting emerging and innovative industries, today unveiled its Comprehens…
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Relm Insurance Launches Web3 Product Suite
Relm today announced the release of a novel product suite, providing tailored, end-to-end insurance coverage for clients…
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Chris Sinkey, Web3, Tech Executive Joins Relm Insurance as COO
Relm Insurance today announced that Chris Sinkey has joined as Chief Operating Officer, a newly created role.
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Colin James joins Relm as CFO
Bermudian-headquartered Relm Insurance Ltd has appointed Colin James as chief financial officer.
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Home-grown team drives specialty insurer Relm
Insurance boss Joseph Ziolkowski had previously founded two Bahamas-based insurance companies, but when it came time to …
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Insuring Innovation: Joe Ziolkowski on the Native Assets Podcast
Our CEO Joseph Ziolkowski joins the latest episode of the Native Assets podcast, made possible by Native Assets, a digit…
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Creative Insurance for Cutting Edge Industries: Joseph Ziolkowski on the Smart Economy Podcast
In this illuminating episode of the Smart Economy Podcast, our CEO Joseph Ziolkowski offers his unique perspective on th…
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First Mover Asia: Bitcoin Holds Near $25K as Investors Remain Upbeat About Inflation Data, Fed Rate
The largest cryptocurrency by market capitalization was recently trading at $24,936, up about 2% over the past 24 hours.…
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Relm Insurance Announces Strategic Partnership with Cyber Risk Management Firm NetDiligence®
BERMUDA--(BUSINESS WIRE)--Relm Insurance Ltd. (Relm), a specialty insurance carrier serving innovative industries, today…
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Have bitcoin and ether finally turned a corner?
Check out the full article and hear what our CEO Joe had to say on the matter.
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Relm Insurance Announces Fronting Partnership with Trisura Specialty Insurance Company
HAMILTON, Bermuda--(BUSINESS WIRE)--Specialty insurer Relm Insurance Ltd. (“Relm”) today announces an expansion of i…
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The 1st Annual ABIC Community Engagement Award
The Bermudian is proud to partner with the Association of Bermuda International Companies in presenting the inaugural A…
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Understanding RELM’s Class IIGB License
Domiciled in Bermuda, Relm Insurance Ltd. is regulated by the Bermuda Monetary Authority (BMA), which has demonstrated a…
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A Message from Our CEO
Relm is committed to the digital asset space; not just by issuing policies and collecting premiums but also by paying le…
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Relm Insurance announces strategic partnership with CyberCube
Hamilton, Bermuda, November 21, 2022 – Relm Insurance Ltd. (Relm), a market-leading specialty insurance carrier servi…
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Relm Insurance honored as an “Innovative Trailblazer” at Bermuda Tech Summit
HAMILTON, BERM – October 26, 2022 – Relm Insurance, a specialty insurer serving emerging industries, received the h…
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Innovating Captive Insurance
According to Swiss Re, total premiums written worldwide totalled to 6.3 trillion USD in 2019. In 2000, that number was 2…
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Regulatory uncertainty the ‘biggest challenge’ for cryptocurrency insurers
The lack of a clear legal framework surrounding digital assets such as cryptocurrencies, security token offerings and …
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Insurers look to capitalise on rise in cryptocurrency adoption
The emerging insurance market for cryptocurrencies is still very small in terms of premium income but with that most irr…
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Here’s A Wake Up Call for Insurers: Seek Opportunities Presented By Cryptocurrencies Today
Insurers Need to Wake up and Seek Opportunities Presented by Cryptocurrencies
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Relm extends APAC footprint with Frontier partnership
22, June 2022, Frontier Global Underwriting, a specialist financial lines MGA and Lloyd’s of London coverholder, today…
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Relm Bolsters Leadership Team With Addition Of SVP Donavan Burgess
Relm Insurance Ltd. has appointed Donavan Burgess to Senior Vice President – Digital Assets, Cyber and Professional Li…
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Relm CEO Featured in Wall Street Journal
Relm Insurance CEO, Joseph Ziolkowski, recently was featured in a Wall Street Journal article titled “Insurance Provid…
-
Leading Global Crypto Insurer Announces Launch of New Crypto-Collateralized Reinsurance Business
Bitcoin Miami, 6th April 2022: Relm, the world’s leading insurance provider to the crypto sector and the first and onl…
-
Relm launches insurance solutions for cryptocurrency and cannabis businesses
Relm will service the insurance needs of business sectors which are new to the economy but are likely to become signific…
-
Relm Insurance, Deltec, Delchain and talk ‘Future of Banking’ at FOE Miami Experience
Relm Insurance Ltd, Deltec International Group, along with Delchain Limited were proud sponsors at the FOE Miami l Refr…
-
Insurance Post Analysis: How are insurers responding to the rise of cryptocurrencies?
A recent report from Deutsche Bank predicted that cryptocurrency adoption will hit 200 million users by 2030.
-
Insurance Day Viewpoint: Insurance Has A Critical Role In the Development of the Crypto-Currency Sector
Digital assets businesses such as cryptocurrency custodians, exchanges and other digital asset services providers are at…
-
Planet Math: Where Community-Driven Business Meets a Love of Numbers
04/23/2025 - Roughly a decade ago, in a small room tucked away in St. George’s, Planet Math began as a modest tutori…
-
Relm Insurance and Liva Insurance Obtain Central Bank Approval in the UAE for Web3 Insurance Solutions
04/14/2025 - Through this partnership Liva and Relm aim to cater to businesses in high-growth innovative sectors often n…
-
How BFIS Is Shaping Tomorrow’s Insurance Leaders
03/27/2025 - In the heart of Bermuda, the Bermuda Foundation for Insurance Studies (BFIS) has been quietly transforming …
-
Relm Insurance Introduces SIGMA: A Comprehensive Package Policy for Innovative Businesses
03/26/25 – Relm Insurance (“Relm”), a leading specialty insurance carrier for emerging industries, has launched SI…
-
Relm Named Finalist in Cyber Insurance Awards USA 2025
02/26/2025 - This recognition highlights our commitment to innovation, resilience, and protecting businesses from evolvi…
-
Relm Insurance and Liva Group Empower Innovation and Entrepreneurship in Web3 and AI Through Strategic Insurance Partnership
02/26/2025 - Liva and Relm focus on businesses in high-growth innovative sectors often not covered by traditional insura…