Gallagher vs Relm Insurance: How Do They Compare for Crime Insurance?

Gallagher arranges fidelity and crime cover with outside carriers; Relm Insurance lists commercial crime plus digital-asset and smart-contract crime products and sells through brokers.

Gallagher fits small businesses and larger accounts seeking broker support and peer-based limit analysis; Relm is more relevant when digital assets or smart-contract attacks such as flash loans and oracle manipulation are a concern. ^1,^2,³

What Are the Key Differences Between Gallagher and Relm Insurance Crime Insurance?

Relm names attack methods tied to DeFi liquidity and smart-contract oracles; Gallagher’s published coverage descriptions focus on employee, computer and funds-transfer fraud, theft and property destruction. Match the offered wording to the assets your company holds. ³ ¹

Broker Placement Versus Relm’s Crime Line

Gallagher Small Business arranges fidelity and crime with outside carriers for small-business clients; its Executive and Financial Risk practice places the same coverage for larger accounts, and Gallagher does not underwrite either policy. Relm lists Commercial Crime as one of three crime products on its crime insurance page (alongside Digital Asset Crime and Smart Contract Crime, which sit on Relm’s separate digital-assets record) and sells crime coverage through insurance brokers. Relm’s reviewed page does not name a specific issuing insurer; Gallagher’s pages likewise do not. ¹ ² ³

Traditional Fraud Versus Digital Attack Methods

Gallagher describes fidelity and crime as covering losses from fraudulent or dishonest acts, including credit-card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. 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. Relm says its crime underwriting considers emerging methods such as flash-loan attacks that drain DeFi protocol liquidity and oracle manipulation that tricks smart contracts. ¹ ³

Who Relm Says Needs Cover, and Gallagher Intake

Relm says crime coverage is relevant for any business that holds assets, whether fiat or digital. Gallagher recommends the coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud or destruction of personal property, and its small-business crime page uses a Connect With An Advisor form. Relm’s reviewed pages do not describe a direct online quote. ³ ¹

What Should You Confirm in Gallagher and Relm Insurance Crime Insurance Quotes?

Ask whether you are buying Relm Commercial Crime through a broker or a Gallagher-placed policy with an outside carrier. ³ ¹
If you hold digital assets, ask Relm which of Commercial Crime, Digital Asset Crime or Smart Contract Crime applies. ³

Gallagher vs Relm Insurance Crime Insurance Compared

Gallagher vs Relm Insurance: Crime Insurance: documented features by provider

Criteria	Gallagher Small Business Fidelity and Crime Insurance	Relm Commercial Crime Insurance
Who It’s For	Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. ¹Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting.	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 small-business crime page routes buyers to a Connect With An Advisor form asking for company details, business description, other coverage interests, employee count and annual revenue. ¹Company-reported. Product page inquiry form, inspected without submission.	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	Gallagher describes Fidelity and Crime insurance as covering losses from fraudulent or dishonest acts, including credit card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. ¹Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.	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	Gallagher Small Business arranges Fidelity and Crime coverage with outside carriers for small-business clients; its group-level Executive and Financial Risk practice separately places the same coverage for larger accounts. Gallagher does not underwrite either policy. ^1,²Company-reported. Small-business crime product page and the group-level executive-risk practice page.	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.