---
title: "Foxquilt vs Relm Insurance: Crime Insurance"
description: "Relm’s crime page includes risks tied to digital infrastructure and alternative assets, while Foxquilt describes theft and fraud involving money and securities."
canonical: "https://spot.insure/compare/foxquilt-vs-relm/crime"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "foxquilt-vs-relm"
provider-a: "foxquilt"
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/foxquilt-vs-relm/crime)

## Agent Guide

**What this page is:** Focused comparison of Foxquilt 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 Foxquilt 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:**
- Foxquilt vs Relm Insurance for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Foxquilt or Relm Insurance?
- What does Foxquilt or Relm Insurance publish about Crime Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Crime Insurance from Foxquilt or Relm Insurance?

**Key facts:**
- Line: Crime Insurance. Providers: Foxquilt 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:**
- [Foxquilt vs Relm Insurance](https://spot.insure/compare/foxquilt-vs-relm) — parent: all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line
- [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence)
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile (evidence)
- [Foxquilt vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-relm/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Relm Insurance Cyber Insurance](https://spot.insure/compare/foxquilt-vs-relm/cyber) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Relm Insurance General Liability Insurance](https://spot.insure/compare/foxquilt-vs-relm/general-liability) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-relm/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-relm/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/foxquilt-vs-relm/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/foxquilt-vs-relm/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Foxquilt Crime Insurance](https://spot.insure/compare/aig-vs-foxquilt/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 Foxquilt Crime Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/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 Foxquilt Crime Insurance](https://spot.insure/compare/aon-vs-foxquilt/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)

# Foxquilt vs Relm Insurance: How Do They Compare for Crime Insurance?

Relm’s crime page includes risks tied to digital infrastructure and alternative assets, while Foxquilt describes theft and fraud involving money and securities.

## How to Use the Foxquilt vs Relm Insurance Crime Insurance Comparison

Use this comparison to evaluate Foxquilt 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.

## Foxquilt vs Relm Insurance Crime Insurance Summary

Relm describes commercial crime scenarios including embezzlement, forgery and funds-transfer fraud, alongside risks tied to digital infrastructure and alternative asset models. Foxquilt describes money and securities losses involving theft, employee dishonesty, fraud and forgery. [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") [6](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What Is Foxquilt?

Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. [1](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [2](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions")

[Foxquilt profile](https://spot.insure/insurance-providers/foxquilt)

## 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. [4](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [5](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. [7](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [8](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [9](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [10](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [11](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application")

## What Are the Key Differences Between Foxquilt and Relm Insurance Crime Insurance?

Relm’s commercial-crime description spans traditional theft scenarios and risks associated with digital infrastructure and alternative asset models. Foxquilt’s page centers its examples on money and securities lost through inside or outside theft, including employee dishonesty, fraud and forgery. A company with digital assets should test the proposed crime wording against the actual asset and transaction at risk. [6](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance")

### Traditional theft scenarios

Both descriptions name fraud-related loss. Relm specifically lists embezzlement, forgery and funds-transfer fraud; Foxquilt describes employee dishonesty and other theft affecting money or securities. The overlap is useful for framing a discussion, but neither product summary is a policy definition. Ask each provider to show the applicable insuring agreement and covered-property definition. [6](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance")

### Digital-infrastructure exposure

Relm’s cited commercial-crime page explicitly connects its discussion to digital infrastructure and alternative asset models. Foxquilt’s crime page describes employee dishonesty and theft involving money and securities, while Relm also names digital infrastructure and alternative-asset risks. Those summaries do not decide how a particular form treats a digital asset; ask how the proposed wording addresses tokens, platform balances or custody arrangements relevant to your business. [6](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance")

## What Should You Confirm in Foxquilt and Relm Insurance Crime Insurance Quotes?

- Ask Relm to map the specific digital asset and transfer mechanism to the proposed crime form. [6](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")
- Ask Foxquilt for the covered-property, funds-transfer and employee-dishonesty definitions in its quote. [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance")

## Foxquilt vs Relm Insurance Crime Insurance Compared

| Criteria | Foxquilt Crime Insurance | Relm Commercial Crime Insurance |
| --- | --- | --- |
| Role in This Line | Foxquilt markets Crime Insurance, either as a BOP add-on or as a standalone policy according to its product page. [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [6](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. [6](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 | The page highlights small businesses that handle cash or have employees handling business funds; it does not specify underwriting eligibility. [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [6](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 | The page describes money and securities losses from inside or outside theft, including employee dishonesty, fraud and forgery. [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [6](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. [6](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 | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | Confirm in your quote. |
| How to Apply | The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Relm sells crime insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [6](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 Foxquilt vs Relm Insurance Crime Insurance

- [Foxquilt vs Relm Insurance](https://spot.insure/compare/foxquilt-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.
- [Foxquilt vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-relm/commercial-property)
- [Foxquilt vs Relm Insurance Cyber Insurance](https://spot.insure/compare/foxquilt-vs-relm/cyber)
- [Foxquilt vs Relm Insurance General Liability Insurance](https://spot.insure/compare/foxquilt-vs-relm/general-liability)
- [Foxquilt vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-relm/inland-marine)
- [Foxquilt vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-relm/professional-errors-omissions)
- [Foxquilt vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/foxquilt-vs-relm/technology-errors-omissions)
- [Foxquilt vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/foxquilt-vs-relm/umbrella-excess)
- [AIG vs Foxquilt Crime Insurance](https://spot.insure/compare/aig-vs-foxquilt/crime)
- [AIG vs Relm Insurance Crime Insurance](https://spot.insure/compare/aig-vs-relm/crime)
- [Alliance Risk vs Foxquilt Crime Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/crime)
- [Alliance Risk vs Relm Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-relm/crime)
- [Aon vs Foxquilt Crime Insurance](https://spot.insure/compare/aon-vs-foxquilt/crime)
- [Aon vs Relm Insurance Crime Insurance](https://spot.insure/compare/aon-vs-relm/crime)

## Sources for Foxquilt vs Relm Insurance Crime Insurance

### Sources About Foxquilt

1. [Commercial General Liability](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html). Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319.. Accessed 2026-09-29.
2. [Foxquilt Insurance Services | Terms & Conditions](https://www.foxquilt.com/terms-of-use.html). Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement.. Accessed 2026-09-29.
3. [Smarter Crime Insurance](https://www.foxquilt.com/businesscoverage/crime.html). Foxquilt; Current product page calls the product Crime Insurance; lines 90–104 describe money/securities, inside/outside theft and examples; lines 113–121 say crime may be included as a BOP add-on or bought as an isolated policy. Directly inspected 2026-09-29. Marketing does not establish form/limits or fidelity/surety bond coverage.. Accessed 2026-09-29.

### Sources About Relm Insurance

4. [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.
5. [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.
6. [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

7. [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.
8. [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.
9. [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.
10. [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.
11. [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.

## Foxquilt Review Scores for 2026

Review Score: 8.9 / 10 from 3 rated sources, equally weighted.

Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.

- Trustpilot: TrustScore 3.5/5 (Trustpilot 5-point scale); 8 reviews. Trustpilot's foxquilt.com company profile (Toronto address; broad broker, auto, business and home insurance categories). Reviewer country and product line are not reliably shown, so it is not a US-only or commercial-only sample. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Reviews | Read Customer Service Reviews of foxquilt.com](https://www.trustpilot.com/review/foxquilt.com)
- BBB: BBB business grade A+ (BBB letter grade). Better Business Bureau Serving Central Ontario business profile for Foxquilt at a Toronto address; business-profile grade and reviews/complaints are different data. Not a U.S. policy review. Period: Toronto profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt | BBB Business Profile](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206); [Foxquilt | BBB Reviews](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/customer-reviews); [Foxquilt | BBB Complaints](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/complaints)
- Google (via Birdeye): Google rating 4.9 (out of 5); 526 reviews. Google reviews for Foxquilt Insurance Services LLC, the Charlotte, North Carolina office. Reviews include commercial insurance customers. Period: checked 2026-09-29. Checked 2026-09-29. [Foxquilt Insurance Services LLC reviews | Birdeye](https://reviews.birdeye.com/foxquilt-insurance-services-llc-176273459225651)
- HelloSafe: HelloSafe rating 4.8 (out of 5); 637 reviews. HelloSafe (Canadian comparison site) page on Foxquilt business insurance. Canada-focused, and the source of its reviews is not stated. Period: page accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Business Insurance Review (2026) - HelloSafe](https://hellosafe.ca/en/business-insurance/foxquilt)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/foxquilt/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/foxquilt-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)