---
title: "Beazley vs Relm Insurance Crime Insurance"
description: "Beazley underwrites Commercial Crime for ordinary companies; Relm’s commercial crime also addresses digital-infrastructure risks such as flash-loan and oracle attacks."
canonical: "https://spot.insure/compare/beazley-vs-relm/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Beazley vs Relm Insurance Crime Insurance

Beazley underwrites Commercial Crime for ordinary companies; Relm’s commercial crime also addresses digital-infrastructure risks such as flash-loan and oracle attacks.

## Research Scope and Use

Use this comparison to evaluate Beazley and Relm Insurance for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Beazley underwrites Commercial Crime for ordinary commercial companies, not banks. Relm lists Commercial Crime alongside Digital Asset Crime and Smart Contract Crime, and says commercial crime underwriting considers flash-loan attacks and oracle manipulation as well as embezzlement, forgery and funds-transfer fraud. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [8](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## What Is Relm Insurance?

Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. [6](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [7](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### Product Lineup

Beazley underwrites Commercial Crime for commercial companies and describes Financial Fidelity Bonds as a separate product for financial institutions. Relm lists Commercial Crime as one of three crime products alongside Digital Asset Crime and Smart Contract Crime. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [8](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

### What Commercial Crime Is Said to Address

Beazley says Commercial Crime protects against employee theft of money and securities plus third-party losses such as forgery, on-premises and in-transit loss, computer fraud, client-property loss, credit-card fraud and fraudulent-instruction cover conditioned on out-of-band authentication. Relm says commercial crime addresses embezzlement, forgery and funds-transfer fraud alongside crime risks tied to digital infrastructure and alternative asset models. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [8](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

Relm says its crime underwriting considers flash-loan attacks that drain DeFi protocol liquidity and oracle manipulation of smart contracts, in addition to legacy fraud. Beazley’s reviewed sources do not describe those DeFi attack methods. [8](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")

### Who Each Says Needs Crime

Beazley markets Commercial Crime to ordinary commercial companies, not banks. Relm says crime coverage is relevant for any business that holds assets, whether fiat or digital. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [8](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What to Confirm in Crime Insurance Quotes

- Ask Relm whether you are quoting Commercial Crime, Digital Asset Crime or Smart Contract Crime. [8](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")
- If you hold digital assets, confirm whether Beazley’s Commercial Crime form would respond to the attack methods Relm names. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [8](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")
- Get Relm’s issuing insurer; its reviewed sources do not name one. Ask Beazley for the bound limit versus $25 million advertised. [8](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")
- Confirm out-of-band authentication on Beazley’s fraudulent-instruction agreement. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")

## Offering Details

| Criteria | Beazley Commercial Crime | Relm Commercial Crime Insurance |
| --- | --- | --- |
| 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. [5](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. [8](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..) |
| Issuing Insurer | Not described in the reviewed sources. | The reviewed page does not name a specific issuing insurer for commercial crime placements. [8](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") (Evidence: Not publicly disclosed; scope: Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific..) |
| 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. [5](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. [8](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..) |
| 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. [5](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. [5](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. [8](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. [8](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..) |
| Limits and Retentions | Beazley advertises Commercial Crime limits of up to US $25,000,000. The page does not publish retentions, sub-limits by insuring agreement, or a minimum limit. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product-page headline limit figure; the page does not split the figure between Commercial Crime and Financial Fidelity Bonds..) | Not described in the reviewed sources. |
| Risk Services | Beazley says its underwriting and claims professionals for this line work side by side so that, when a claim arises, the original underwriting intent of the policy is respected. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Company-stated internal process description; no independent claims-handling outcome data is provided..) | Not described in the reviewed sources. |
| 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. [5](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. [8](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..) |
| Claims Support | The product page links to Beazley's general claim-notification channel for this line. It does not disclose a claims response-time commitment or a dedicated claims-handling process specific to Commercial Crime. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Not publicly disclosed; scope: Product page "Notify a Claim" link as read on 2026-09-23; response times were not found..) | Not described in the reviewed sources. |

## Full Comparison

- [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 can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Beazley vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/beazley-vs-relm/commercial-property)
- [Beazley vs Relm Insurance Cyber Insurance](https://spot.insure/compare/beazley-vs-relm/cyber)
- [Beazley vs Relm Insurance D&O Insurance](https://spot.insure/compare/beazley-vs-relm/directors-officers)
- [Beazley vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-relm/employment-practices)
- [Beazley vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-relm/fiduciary)
- [Beazley vs Relm Insurance General Liability Insurance](https://spot.insure/compare/beazley-vs-relm/general-liability)
- [Beazley vs Relm Insurance Media Liability Insurance](https://spot.insure/compare/beazley-vs-relm/media)
- [Beazley vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/beazley-vs-relm/product-liability)
- [Beazley vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-relm/professional-errors-omissions)
- [Beazley vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/beazley-vs-relm/technology-errors-omissions)
- [Alliance Risk vs Beazley Crime Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/crime)
- [Alliance Risk vs Relm Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-relm/crime)
- [Beazley vs CFC Crime Insurance](https://spot.insure/compare/beazley-vs-cfc/crime)
- [Beazley vs Chubb Crime Insurance](https://spot.insure/compare/beazley-vs-chubb/crime)
- [Beazley vs Coalition Crime Insurance](https://spot.insure/compare/beazley-vs-coalition/crime)
- [Beazley vs Corgi Crime Insurance](https://spot.insure/compare/beazley-vs-corgi/crime)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [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.

### Relm Insurance

6. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
7. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
8. [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.

### Crime Insurance Guide

9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.

Updated 2026-09-23. 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.

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