---
title: "Beazley vs Relm Insurance: Crime Insurance"
description: "Relm writes crime for companies holding digital assets, underwriting flash-loan and oracle-manipulation attacks alongside embezzlement and funds-transfer fraud. Beazley's Commercial Crime covers conventional theft and fraud for ordinary commercial companies, not banks."
canonical: "https://spot.insure/compare/beazley-vs-relm/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "beazley-vs-relm"
provider-a: "beazley"
provider-b: "relm"
coverage-line: "crime"
---

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[Human-readable page](https://spot.insure/compare/beazley-vs-relm/crime)

## Agent Guide

**What this page is:** Focused comparison of Beazley and Relm Insurance for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Crime Insurance questions about Beazley versus Relm Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Beazley vs Relm Insurance for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Beazley or Relm Insurance?
- What does Beazley or Relm Insurance publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Beazley and Relm Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Beazley vs Relm Insurance](https://spot.insure/compare/beazley-vs-relm) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile

# Beazley vs Relm Insurance: How Do They Compare for Crime Insurance?

Beazley underwrites Commercial Crime for commercial companies, advertising limits up to $25,000,000. Relm Insurance sells crime coverage through brokers and lists digital-asset and smart-contract crime products alongside it.

Relm is the crime option built for crypto and DeFi companies, with Digital Asset Crime and Smart Contract Crime products; Beazley covers conventional employee theft and wire fraud for ordinary businesses, up to $25 million.

## Beazley vs Relm Insurance Crime Insurance Summary

Relm writes crime for companies holding digital assets, underwriting flash-loan and oracle-manipulation attacks alongside embezzlement and funds-transfer fraud. Beazley's Commercial Crime covers conventional theft and fraud for ordinary commercial companies, not banks. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What Are the Key Differences Between Beazley and Relm Insurance Crime Insurance?

### Crypto and DeFi Companies vs Conventional Businesses

Relm lists three crime products, Commercial Crime, Digital Asset Crime and Smart Contract Crime, and says crime cover matters for any business holding fiat or digital assets. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") Beazley's Commercial Crime is for ordinary commercial companies; banks and other financial institutions go to its separate Financial Fidelity Bonds. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") Choose Relm if you hold crypto, run a DeFi protocol or depend on smart contracts; choose Beazley if you are a conventional business that needs employee-theft and wire-fraud cover with limits up to $25 million.

### What Each Crime Policy Covers

Beazley lists employee theft of money and securities, forgery, on-premises and in-transit loss, counterfeit currency, computer fraud, client-property loss and credit-card fraud. Its wire-fraud cover requires out-of-band verification of payment instructions unless you pay extra and document your controls. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") Relm names embezzlement, forgery and funds-transfer fraud, and says its underwriting also weighs flash-loan attacks that drain DeFi liquidity and oracle manipulation of smart contracts, risks Beazley's page does not address. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

### Limits and How You Buy

Beazley advertises limits up to US $25,000,000 and publishes Crime and Social Engineering applications. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") Relm sells through brokers and does not name the insurer that issues its crime policies. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What Should You Confirm in Beazley and Relm Insurance Crime Insurance Quotes?

- Ask Relm whether you are quoting Commercial Crime, Digital Asset Crime or Smart Contract Crime, and what limit each carries. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")
- If you hold digital assets, ask Beazley in writing whether its form would respond to a flash-loan or oracle-manipulation loss. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")
- Ask Beazley whether your quote keeps the out-of-band authentication condition on wire-fraud cover. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")
- Get the issuing insurer from Relm. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## Beazley vs Relm Insurance Crime Insurance Compared

| Criteria | Beazley Commercial Crime | Relm Commercial Crime Insurance |
| --- | --- | --- |
| Who It’s For | Beazley markets Commercial Crime to ordinary commercial companies, not to banks or other financial institutions, which it addresses separately through Financial Fidelity Bonds. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product page target-customer language; no industry list or size threshold is published..) | 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. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company..) |
| How to Apply | Beazley lists a standalone Crime application, a Massachusetts-specific Crime application and a separate Social Engineering application among its Tools & Resources, distinct from the Financial Fidelity Bond application forms on the same page. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Tools & Resources section of the product page; the page does not describe an online quote or self-service purchase flow..) | Relm sells crime insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime page framing; consistent with Relm's broader broker-distribution model..) |
| Coverage Features | Beazley says Commercial Crime protects an organization from loss of money and securities caused by theft by its own employees, plus third-party-related losses such as forgery or alteration, on-premises and in-transit loss, money-order and counterfeit-currency fraud, computer fraud, client-property loss, credit-card fraud and related expense coverage. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product-page description of insuring agreements; exclusions, conditions and available sub-limits appear only in the issued policy..)<br><br>Beazley says its Commercial Crime policy includes a fraudulent-instruction (social-engineering) insuring agreement covering losses from wire transfers made on instructions from someone posing as a vendor, client or authorized employee, and that this cover is conditioned on out-of-band authentication of payment instructions. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product-page description; Beazley says the out-of-band-authentication condition can be removed for insureds with documented controls and response plans, subject to an additional premium..) | 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. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime page 'What is Commercial Crime Coverage?' section; the issued policy and declarations control..)<br><br>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. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording..) |
| Role in This Line | Beazley underwrites Commercial Crime insurance for commercial companies. The same product page separately describes Financial Fidelity Bonds, a related but distinct product line for financial institutions. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Crime and Fidelity product page; distinguishes the commercial-company product from the financial-institution fidelity bond described on the same 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. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |

## About Beazley and Relm Insurance and Crime Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Beazley vs Relm Insurance Crime Insurance

- [Beazley vs Relm Insurance](https://spot.insure/compare/beazley-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Beazley Crime Insurance](https://spot.insure/insurance-providers/beazley/crime)
- [Relm Insurance Crime Insurance](https://spot.insure/insurance-providers/relm/crime)

## Sources for Beazley vs Relm Insurance Crime Insurance

### Sources About Beazley

1. [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime). Beazley; What we offer: Commercial Crime for commercial companies; fraudulent-instruction/social-engineering insuring agreement and out-of-band authentication condition; Limits up to US $25,000,000; How can we help; Tools & Resources application forms. Accessed 2026-09-23.

### Sources About Relm Insurance

2. [Crime Insurance](https://relminsurance.com/lines-of-business/crime-insurance/). Relm Insurance; What is Commercial Crime Coverage?; What Crime Risks Do Innovative Companies Face?; Who Needs Crime Coverage?. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/beazley-vs-relm/crime.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)