Alliance Risk vs Relm Insurance Crime Insurance

Alliance Risk arranges crime insurance placements as a brokerage; the crime page describes the coverage it places rather than an Alliance-issued policy. ^3,4Company-reported. Crime product page and the general brokerage disclosure on the coverage catalogue page.

Relm lists Commercial Crime as one of three crime products (alongside Digital Asset Crime and Smart Contract Crime, covered in Relm's separate digital-assets offering record) on its crime insurance line-of-business page. ⁷Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

The crime insurance page does not name an issuing insurer or carrier for the coverage. ³Not publicly disclosed. Crime product page as read on 2026-09-23.

The reviewed page does not name a specific issuing insurer for commercial crime placements. ⁷Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

Alliance Risk lists businesses that handle cash, payments or sensitive data, companies with accounting, billing or procurement teams, nonprofits with volunteer financial oversight, and organizations in finance, retail, healthcare or logistics as common crime insurance buyers. ³Company-reported. Crime product page, Who Needs Crime Insurance? section.

Relm says crime coverage is relevant for any business that holds assets, whether fiat or digital, arguing that even strong security controls leave a gap the insurance can close. ⁷Company-reported. Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company.

Alliance Risk's crime insurance page covers employee theft and embezzlement, forgery or alteration of checks or documents, fraudulent electronic funds transfer, social engineering fraud and impersonation, and burglary, robbery and safe burglary, with theft of client property available by endorsement. ³Company-reported. Crime product page, What Does Crime Insurance Cover? section; actual policy structure depends on the carrier and the policy as issued.

Alliance Risk says its crime coverage excludes business income loss from crime unless endorsed, cyber breach or hacking (which it says falls under a cyber policy instead), losses not discovered during the policy period, and dishonest acts by company owners or partners. ³Company-reported. Crime product page, What Doesn't Crime Insurance Cover? section.

Relm's commercial crime coverage addresses traditional theft such as embezzlement, forgery and funds transfer fraud, alongside crime risks tied to digital infrastructure and alternative asset models. ⁷Company-reported. Crime page 'What is Commercial Crime Coverage?' section; the issued policy and declarations control.

Relm says its crime underwriting considers emerging attack methods such as flash-loan attacks that drain DeFi protocol liquidity and oracle manipulation that tricks smart contracts into faulty decisions, in addition to legacy fraud vulnerabilities. ⁷Company-reported. Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording.

Alliance Risk's crime page gives typical annual premium ranges ($500-$2,000 for small businesses up to $10,000-$50,000+ for large enterprises) but does not publish specific coverage limits, sublimits or retentions. ³Not publicly disclosed. Crime product page as read on 2026-09-23.

Not described in the reviewed sources.

Not described in the reviewed sources.

Relm sells crime insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ⁷Company-reported. Crime page framing; consistent with Relm's broader broker-distribution model.