Coalition vs 
Relm Insurance Crime Insurance
Coalition’s Executive Risks crime targets private U.S. organizations; Relm underwrites commercial crime alongside DeFi-style attack methods.
What Is Coalition Insurance?
Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. 1,2,3,4
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. 6,7
What Is Crime Insurance?
Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. 9
Key Differences in Crime Insurance
Traditional Executive-Risks Crime Versus Three Relm Crime Products
Coalition designs crime as one Executive Risks coverage sold through appointed brokers. Relm lists Commercial Crime as one of three crime products on its line-of-business page, alongside Digital Asset Crime and Smart Contract Crime, and sells through brokers. 4 8
Cybercrime Wording Versus DeFi Attack Methods
Coalition says crime responds to theft, fraud and certain cybercrimes, subject to exclusions. Relm’s commercial crime addresses embezzlement, forgery and funds-transfer fraud plus crime risks tied to digital infrastructure, and Relm says underwriting considers flash-loan attacks that drain DeFi liquidity and oracle manipulation of smart contracts. 4 8
Who Each Product Is Aimed At
Coalition’s FAQ names private and not-for-profit U.S. organizations with employee, asset and plan-asset ceilings, and a possible $10 million per-line limit. Relm says crime is relevant for any business that holds fiat or digital assets. Relm’s reviewed page does not name an issuing insurer; Coalition names Zurich American for admitted Executive Risks. 4 5 8
What to Confirm in Crime Insurance Quotes
- If you hold digital assets or run smart contracts, ask Relm which of its three crime products applies; Coalition’s Executive Risks page does not describe DeFi attack methods. 8 4
- Get Relm’s issuing insurer and Coalition’s Zurich versus surplus route. 8 5
- Compare Relm’s funds-transfer and digital-infrastructure wording with Coalition’s “certain cybercrimes” language on the issued forms. 8 4
- Confirm you fit Coalition’s private or not-for-profit size caps if you are quoting that program. 4
Offering Details
Coalition vs Relm Insurance Crime Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Crime Insurance | Relm Commercial Crime Insurance |
|---|---|---|
| Role in This Line | Coalition designs and distributes crime insurance as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 4Company-reported. Executive Risks product page as read on 2026-09-23. | 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. |
| Issuing Insurer | Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific crime policy depends on the placement route. 5Company-reported. U.S. Disclaimers page as read on 2026-09-23. | 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. |
| Who It’s For | Coalition says Executive Risks products, including crime, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. 4Company-reported. Executive Risks FAQ as read on 2026-09-23. | 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. |
| Coverage Features | Coalition says its crime coverage responds to losses from criminal activities including theft, fraud, and certain cybercrimes, flagged on the page as subject to exclusions and limitations. 4Company-reported. Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered. | 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. |
| Limits and Retentions | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including crime, subject to exclusions and limitations. 4Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. | Not described in the reviewed sources. |
| How to Apply | Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. 4Company-reported. Executive Risks product page as read on 2026-09-23. | 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. |
Full Comparison
More Coalition vs Relm Insurance Comparisons
Other Crime Insurance Comparisons
Sources
Coalition
- Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
- Executive Risks. Coalition; Product Offering: Crime — covers losses that result from various criminal activities, including theft, fraud, and certain cybercrimes* (exclusions and limitations apply; see disclaimers and the policy as issued); FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders? Accessed 2026-09-23.
- U.S. Disclaimers. Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). Accessed 2026-09-23.
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- 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
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
