& Stability

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 great team.

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

In 2018, the BMA’s Insurance Amendment Act 2018 introduced a new ”Innovative Insurer General Business” (Class IIGB) regulatory framework for digital asset and cryptocurrency insurers.

As a regulated general insurance company, we comply with the stringent statutory and solvency reporting requirements imposed by the Bermuda Monetary Authority. This includes filing annual financial statements that are audited by a Big-Four accounting firm. Furthermore, Relm maintains a Financial Solvency Rating from Demotech, Inc., an SEC-designated Nationally Recognized Statistical Rating Organization (NRSRO).

“As a trusted provider of insurance for emerging industries, we are dedicated to maintaining the highest standards of regulatory compliance and financial stability.”

Our company has been deemed
“A, Exceptional” by Demotech.

Our “A, Exceptional” rating by Demotech is a testament to our company's financial stability, solvency, and ability to meet our obligations to policyholders. Our unwavering commitment to compliance and oversight both protects our clients and instills trust and confidence in our company and the services we provide.
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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.

Diverse Risk Portfolio

Relm is the market leading provider of risk capacity for the digital asset ecosystem, but a material portion of our premium is generated from companies breaking new ground in uncorrelated sectors, including cannabis, psychedelics, esports, fintech, and more.

Our diversified risk portfolio insulates our balance sheet from industry-specific shocks.


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, positions Relm to remain solvent, agile and access liquidity as needed. We have no debt and avoid financial leverage.