--- title: "CNA vs Relm Insurance: Crime Insurance" description: "CNA lists crime as Management Liability coverage and says Epack 3 can select crime alongside other parts." canonical: "https://spot.insure/compare/cna-vs-relm/crime" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "cna-vs-relm" provider-a: "cna" provider-b: "relm" coverage-line: "crime" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/cna-vs-relm/crime) ## Agent Guide **What this page is:** Focused comparison of CNA 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 CNA versus Relm Insurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - CNA vs Relm Insurance for Crime Insurance: how do they differ? - Which is better for Crime Insurance, CNA or Relm Insurance? - What does CNA or Relm Insurance publish about Crime Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Crime Insurance from CNA or Relm Insurance? **Key facts:** - Line: Crime Insurance. Providers: CNA and Relm Insurance. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [CNA vs Relm Insurance](https://spot.insure/compare/cna-vs-relm) — parent: all coverage lines for this pair - [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line - [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence) - [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile (evidence) - [CNA vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/cna-vs-relm/commercial-property) — sibling comparison (other line, or other pair for this line) - [CNA vs Relm Insurance Cyber Insurance](https://spot.insure/compare/cna-vs-relm/cyber) — sibling comparison (other line, or other pair for this line) - [CNA vs Relm Insurance D&O Insurance](https://spot.insure/compare/cna-vs-relm/directors-officers) — sibling comparison (other line, or other pair for this line) - [CNA vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-relm/employment-practices) — sibling comparison (other line, or other pair for this line) - [CNA vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-relm/fiduciary) — sibling comparison (other line, or other pair for this line) - [CNA vs Relm Insurance General Liability Insurance](https://spot.insure/compare/cna-vs-relm/general-liability) — sibling comparison (other line, or other pair for this line) - [CNA vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/cna-vs-relm/inland-marine) — sibling comparison (other line, or other pair for this line) - [CNA vs Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/compare/cna-vs-relm/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [CNA vs Relm Insurance Media Liability Insurance](https://spot.insure/compare/cna-vs-relm/media) — sibling comparison (other line, or other pair for this line) - [CNA vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/cna-vs-relm/product-liability) — sibling comparison (other line, or other pair for this line) - [CNA vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-relm/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [CNA vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/cna-vs-relm/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [CNA vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-relm/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [AIG vs CNA Crime Insurance](https://spot.insure/compare/aig-vs-cna/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs Relm Insurance Crime Insurance](https://spot.insure/compare/aig-vs-relm/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs CNA Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cna/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Relm Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-relm/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs CNA Crime Insurance](https://spot.insure/compare/aon-vs-cna/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs Relm Insurance Crime Insurance](https://spot.insure/compare/aon-vs-relm/crime) — sibling comparison (other line, or other pair for this line) # CNA vs Relm Insurance: How Do They Compare for Crime Insurance? CNA lists crime as Management Liability coverage and says Epack 3 can select crime alongside other parts. ## How to Use the CNA vs Relm Insurance Crime Insurance Comparison Use this comparison to evaluate CNA 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. ## CNA vs Relm Insurance Crime Insurance Summary CNA lists crime as Management Liability coverage and says Epack 3 can select crime alongside other parts; Relm distinguishes Commercial Crime from separate Digital Asset Crime and Smart Contract Crime offerings. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [7](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") ## CNA Small Business Insurance: Products, Agents and Service CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [1](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer") [CNA profile](https://spot.insure/insurance-providers/cna) ## What Is Relm Insurance? Relm suits AI developers distinguishing liability and cyber/Tech E&O through Nova AI from first-party losses caused by third-party AI failures through Resca AI; businesses seeking standard small-business coverage should compare generalist providers. [5](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [6](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 can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [10](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [11](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [12](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application") ## What Are the Key Differences Between CNA and Relm Insurance Crime Insurance? ### Offering Structure and Distribution Relm’s commercial crime page describes traditional theft, embezzlement, forgery and funds-transfer fraud, while also discussing emerging attack methods such as flash-loan attacks and oracle manipulation. Those examples reflect Relm’s stated underwriting focus; the page does not establish that every digital-asset event is covered or that the named specialty products apply to a particular business. CNA’s reviewed claim does not provide a comparable digital-asset scope. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [7](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") ### Coverage Detail and Buyer Fit Relm says it sells crime coverage through brokers and its sources do not describe a direct online quote. CNA routes agents to Agent Center and presents its crime protection within management liability. A buyer with digital assets should identify which Relm product is being proposed and inspect its definitions; the broad term “crime” does not establish equivalence to conventional employee or funds-transfer coverage. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [7](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") ## What Should You Confirm in CNA and Relm Insurance Crime Insurance Quotes? - Ask Relm whether the quote is Commercial Crime, Digital Asset Crime or Smart Contract Crime and which digital assets and attack events the form addresses. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [7](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") - Ask CNA for its crime form and clarify whether the insured property and electronic-transfer scenarios match the proposed Relm wording. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [7](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") ## CNA vs Relm Insurance Crime Insurance Compared | Criteria | CNA Management Liability Crime Coverage | Relm Commercial Crime Insurance | | --- | --- | --- | | Role in This Line | CNA describes Epack 3 as a modular policy with a selected mix of management-liability parts rather than one mandatory bundle. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: The page does not establish which components a buyer can select for a specific risk or whether the crime coverage is offered standalone..) | 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. [7](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 | Confirm in your quote. | The reviewed page does not name a specific issuing insurer for commercial crime placements. [7](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 | CNA describes management-liability risks for private and public companies and not-for-profit organizations. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: This is broad segment context, not a crime-specific acceptance rule..) | 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. [7](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 | CNA currently lists Crime among its Management Liability coverages and says Epack 3 can flexibly combine crime with selected management-liability exposures. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: The product page establishes a marketed option, not that all component lines must be purchased together..) | 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. [7](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..)

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. [7](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..) | | How to Apply | CNA directs agents seeking an application to its Agent Center. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: The page does not state that a business can apply directly or identify all documents required for crime coverage..) | Relm sells crime insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [7](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..) | ## Related Pages for CNA vs Relm Insurance Crime Insurance - [CNA vs Relm Insurance](https://spot.insure/compare/cna-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. - [CNA vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/cna-vs-relm/commercial-property) - [CNA vs Relm Insurance Cyber Insurance](https://spot.insure/compare/cna-vs-relm/cyber) - [CNA vs Relm Insurance D&O Insurance](https://spot.insure/compare/cna-vs-relm/directors-officers) - [CNA vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-relm/employment-practices) - [CNA vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-relm/fiduciary) - [CNA vs Relm Insurance General Liability Insurance](https://spot.insure/compare/cna-vs-relm/general-liability) - [CNA vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/cna-vs-relm/inland-marine) - [CNA vs Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/compare/cna-vs-relm/kidnap-ransom) - [CNA vs Relm Insurance Media Liability Insurance](https://spot.insure/compare/cna-vs-relm/media) - [CNA vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/cna-vs-relm/product-liability) - [CNA vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-relm/professional-errors-omissions) - [CNA vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/cna-vs-relm/technology-errors-omissions) - [CNA vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-relm/umbrella-excess) - [AIG vs CNA Crime Insurance](https://spot.insure/compare/aig-vs-cna/crime) - [AIG vs Relm Insurance Crime Insurance](https://spot.insure/compare/aig-vs-relm/crime) - [Alliance Risk vs CNA Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cna/crime) - [Alliance Risk vs Relm Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-relm/crime) - [Aon vs CNA Crime Insurance](https://spot.insure/compare/aon-vs-cna/crime) - [Aon vs Relm Insurance Crime Insurance](https://spot.insure/compare/aon-vs-relm/crime) ## Sources for CNA vs Relm Insurance Crime Insurance ### Sources About CNA 1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28. 2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28. 3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29. 4. [Management Liability Insurance and Professional Liability](https://www.cna.com/products/management-liability). CNA; Current U.S. page: management liability names crime and kidnap/ransom/extortion; lists management product coverages and Epack 3 modular structure, application channel and caveats. Retrieved 2026-09-30.. Accessed 2026-09-30. ### Sources About Relm Insurance 5. [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. 6. [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. 7. [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. ### Sources for the Crime Insurance Guide 8. [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. 9. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16. 10. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16. 11. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16. 12. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16. Updated 2026-10-01. 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. ## CNA Review Scores for 2026 Review Score: 9.0 / 10 from 1 rated source, equally weighted. Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews. - NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers) - Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com) - BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews). ## Relm Insurance Review Scores for 2026 Review Score: not enough ratings. We couldn't find any public customer reviews or ratings for Relm Insurance. Its Trustpilot page exists but has no reviews yet. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/relm/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/cna-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)