Security and resilience are behind everything we do

As an insurer focusing on innovative industries, building confidence and trust has been fundamental to our success.

Joseph Ziolkowski


“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.

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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.

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Our Journey

Innovation needs solid foundations. So we're proud of our financial performance and commitment to responsible growth over the years.

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Board & Management

Relm has built a market-leading team of insurance professionals and sector experts.

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Come and unleash your full potential at the cutting edge of insurance.

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