Chubb vs 
Relm Insurance: How Do They Compare for Crime Insurance?
Relm Insurance sells crime coverage through brokers and lists digital-asset and smart-contract crime products; Chubb underwrites crime in its ForeFront Portfolio, covering employee theft, social engineering and funds transfer fraud.
Relm offers separate digital-asset and smart-contract crime products for businesses with those exposures; Chubb ForeFront targets firms below 250 employees and $50 million in revenue. 1,3
What Are the Key Differences Between Chubb and Relm Insurance Crime Insurance?
Smart-Contract Attacks Versus Listed Crime Events
Relm says its underwriting considers flash-loan attacks that drain DeFi protocol liquidity and oracle manipulation that tricks smart contracts, alongside embezzlement, forgery and funds-transfer fraud. Chubb lists social-engineering fraud, employee theft including temporary and contracted workers, client theft and funds-transfer fraud unreimbursed by the insured’s bank. Choose Relm if your business holds digital assets or operates a DeFi protocol; choose Chubb if you want the ForeFront crime option and fit its company-size target. 3 1 2
Appetite
On Chubb Marketplace, ForeFront’s target appetite is organizations with fewer than 250 employees and less than $50 million in revenue. Relm says crime coverage is relevant for any business that holds assets, whether fiat or digital. 2 3
Paper and Access
Chubb names ACE American and affiliates and makes ForeFront available on Chubb Marketplace. Relm sells crime insurance through insurance brokers and does not describe a direct online quote; the reviewed page does not name a specific issuing insurer. 1 2 3
What Should You Confirm in Chubb and Relm Insurance Crime Insurance Quotes?
- Ask Relm whether you are quoting Commercial Crime or Digital Asset / Smart Contract Crime, and whether flash-loan or oracle-manipulation exposures are in scope. 3
- Confirm you fit Chubb’s ForeFront size band and get crime limits. 2 1
- Get Relm’s issuing insurer; Chubb’s sheet names ACE American. 3 1
- Confirm whether client-property theft is on the Chubb form. 1
Chubb vs Relm Insurance Crime Insurance Compared
Chubb vs Relm Insurance: Crime Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio Crime Insurance | Relm Commercial Crime Insurance |
|---|---|---|
| Who It’s For | On Chubb Marketplace, the ForeFront Portfolio's target underwriting appetite is organizations with fewer than 250 employees and less than $50 million in revenue. 1Company-reported. Online Ease section; applies to Marketplace-quoted ForeFront business generally, not exclusively Crime coverage. | 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. 3Company-reported. Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company. |
| How to Apply | The ForeFront Portfolio, including Crime coverage, is available on Chubb Marketplace, Chubb's platform for quoting, binding and issuing business digitally. 1,2Company-reported. Online Ease section; agents and brokers use Marketplace to place the policy. | Relm sells crime insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 3Company-reported. Crime page framing; consistent with Relm's broader broker-distribution model. |
| Coverage Features | Chubb lists social engineering fraud, employee theft (including temporary and contracted workers), client theft of a client's money or property by an employee, and funds transfer fraud for losses from fraudulent electronic transfers unreimbursed by the insured's bank. 1Company-reported. Crime Risks: Real & Rising list; illustrated with claim scenarios, not policy wording. | 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. 3Company-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. 3Company-reported. Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording. |
| Role in This Line | Chubb underwrites Crime Insurance as one of seven coverage parts within its ForeFront Portfolio for private companies, not-for-profit and healthcare organizations, insuring against theft and embezzlement by trusted employees and outsiders. 1Company-reported. ForeFront Portfolio Crime Insurance product sheet. | 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. 3Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
