---
title: "Gallagher vs Relm Insurance Crime Insurance"
description: "Gallagher brokers small-business fidelity and crime; Relm underwrites commercial crime that also addresses digital-infrastructure theft and sells through brokers."
canonical: "https://spot.insure/compare/gallagher-vs-relm/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/gallagher-vs-relm/crime)

# Gallagher vs Relm Insurance Crime Insurance

Gallagher brokers small-business fidelity and crime; Relm underwrites commercial crime that also addresses digital-infrastructure theft and sells through brokers.

## Research Scope and Use

Use this comparison to evaluate Gallagher 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.

## Summary

Gallagher Small Business arranges fidelity and crime with outside carriers and does not underwrite the policy. Relm lists Commercial Crime on its crime line-of-business page, addresses embezzlement, forgery and funds-transfer fraud plus digital-infrastructure crime, and sells that coverage through insurance brokers rather than a direct online quote. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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. [7](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [8](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 addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

### 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

### 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. [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

## What to Confirm in Crime Insurance Quotes

- Ask whether you are buying Relm Commercial Crime through a broker or a Gallagher-placed policy with an outside carrier. [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")
- If you hold digital assets, ask Relm which of Commercial Crime, Digital Asset Crime or Smart Contract Crime applies. [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")
- Ask Gallagher whether Small Business or Executive and Financial Risk is handling the account. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Get the writing company named on both quotes. [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

## Offering Details

| Criteria | Gallagher Small Business Fidelity and Crime Insurance | Relm Commercial Crime Insurance |
| --- | --- | --- |
| 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [9](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 | Neither the small-business crime page nor the executive-risk practice page names the insurer that would issue a given client's crime policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) | The reviewed page does not name a specific issuing insurer for commercial crime placements. [9](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 | Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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. [9](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 | 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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. [9](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. [9](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 | Neither page publishes specific crime coverage limits or premium ranges. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) | Not described in the reviewed sources. |
| Risk Services | For larger accounts, Gallagher says its methodology for setting crime coverage limits includes peer analysis using third-party databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-risk practice page; not confirmed as applied to the small-business product..) | Not described in the reviewed sources. |
| 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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. [9](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..) |

## Full Comparison

- [Gallagher vs Relm Insurance](https://spot.insure/compare/gallagher-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Gallagher vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-relm/commercial-property)
- [Gallagher vs Relm Insurance Cyber Insurance](https://spot.insure/compare/gallagher-vs-relm/cyber)
- [Gallagher vs Relm Insurance D&O Insurance](https://spot.insure/compare/gallagher-vs-relm/directors-officers)
- [Gallagher vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-relm/employment-practices)
- [Gallagher vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-relm/fiduciary)
- [Gallagher vs Relm Insurance General Liability Insurance](https://spot.insure/compare/gallagher-vs-relm/general-liability)
- [Gallagher vs Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/compare/gallagher-vs-relm/kidnap-ransom)
- [Gallagher vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-relm/professional-errors-omissions)
- [Gallagher vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-relm/technology-errors-omissions)
- [Gallagher vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-relm/umbrella-excess)
- [Alliance Risk vs Gallagher Crime Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/crime)
- [Alliance Risk vs Relm Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-relm/crime)
- [Beazley vs Gallagher Crime Insurance](https://spot.insure/compare/beazley-vs-gallagher/crime)
- [Beazley vs Relm Insurance Crime Insurance](https://spot.insure/compare/beazley-vs-relm/crime)
- [CFC vs Gallagher Crime Insurance](https://spot.insure/compare/cfc-vs-gallagher/crime)
- [CFC vs Relm Insurance Crime Insurance](https://spot.insure/compare/cfc-vs-relm/crime)

## Sources

### Gallagher

1. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
6. [Crime](https://www.gallaghersmallbusiness.com/insurance-products/crime/). Gallagher Small Business; Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form. Accessed 2026-09-23.

### Relm Insurance

7. [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.
8. [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.
9. [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.

### Crime Insurance Guide

10. [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.

Updated 2026-09-23. 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.

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