WE LAUNCHED RELM IN 2019 TO BRING RESILIENCE TO INNOVATION
“Since then, we’ve deployed capacity to hundreds of companies in 30+ countries, developed industry-first solutions, and built a specialist team that’s second to none.
Most importantly, we’ve been there to support our insureds when they’ve needed us most.”
Joe Ziolkowski,
Co-Founder & CEO, Relm Insurance Ltd.
Rated and Regulated
Domiciled in Bermuda, Relm Insurance Ltd. is regulated by the Bermuda Monetary Authority (BMA), which has demonstrated a longstanding commitment to embracing technology and alternative solutions that address the evolving needs of the insurance industry. We’ve also earned an “A, Exceptional” Financial Stability Rating from Demotech*.
Transparent and robust governance
Our Underwriting, Audit, and Investment Committees ensure rigorous decision-making and oversight across all operations.
We undergo an annual financial audit by Deloitte, guaranteeing transparency and accountability.
Each year, Marsh & McLennan provides independent Loss Reserve Specialists Opinions, affirming our accurate claims reserving practices.
Capital Strength
Relm’s robust, conservative capital management strategy positions us to weather market volatility and continue to scale our business in the years ahead.
Diversified Portfolio of Risks
Relm is the market leading provider of risk capacity for the digital asset ecosystem. But we also underwrite companies breaking new ground in other emerging markets. Including cannabis, psychedelics, esports, fintech, and more.
Our diversified risk portfolio insulates our balance sheet from industry-specific shocks.
Smart Investments
We embrace new risks — just not when it comes to our balance sheet. Our conservative capital management strategy, developed in collaboration with the BMA and our independent auditor, keeps us solvent, agile and allows us to access liquidity when we need to. We have no debt and avoid financial leverage.
Explore Relm…
Culture & Values
Our vision is to make innovation more resilient. This is the future that everyone at Relm is working towards.
Learn more Learn moreOur Journey
Innovation needs solid foundations. So we're proud of our financial performance and commitment to responsible growth over the years.
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 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…
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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…