Chubb vs Relm Insurance Crime Insurance

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. ⁴Company-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. ⁸Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Chubb's Crime Insurance product sheet states that insurance is provided by ACE American Insurance Company and its U.S.-based Chubb underwriting company affiliates. ⁴Company-reported. Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy.

The reviewed page does not name a specific issuing insurer for commercial crime placements. ⁸Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

On Chubb Marketplace, the ForeFront Portfolio's target underwriting appetite is organizations with fewer than 250 employees and less than $50 million in revenue. ⁴Company-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. ⁸Company-reported. Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company.

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. ⁴Company-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. ⁸Company-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. ⁸Company-reported. Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording.

The reviewed product sheet illustrates claim scenarios with losses ranging from over $100,000 to over $1 million but does not publish specific policy limits, sublimits or retentions for Crime coverage. ⁴Not found in reviewed sources. Crime Insurance product sheet as read on 2026-09-23; illustrative claim examples, not policy terms.

Not described in the reviewed sources.

The ForeFront Portfolio, including Crime coverage, is available on Chubb Marketplace, Chubb's platform for quoting, binding and issuing business digitally. ^4,5Company-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. ⁸Company-reported. Crime page framing; consistent with Relm's broader broker-distribution model.