Heffernan Insurance Brokers vs Relm Insurance: How Do They Compare for Crime Insurance?

Heffernan Insurance Brokers builds third-party theft crime into home care packages; Relm Insurance lists commercial crime plus digital-asset and smart-contract crime products and sells through brokers.

Heffernan fits home-care, home-health and hospice businesses seeking third-party theft cover in a package; Relm is more relevant when you hold digital assets or face smart-contract attacks. ^1,²

What Are the Key Differences Between Heffernan Insurance Brokers and Relm Insurance Crime Insurance?

Relm discusses flash-loan and oracle-manipulation attacks against digital infrastructure; Heffernan lists third-party theft and a separate employee dishonesty bond within its home-care package. Check Relm’s actual policy for digital-asset wording. ² ¹

Home-Care Line Item Versus Relm Commercial Crime

Heffernan arranges crime listed as Crime – Third Party Theft as part of packages for home care, home health and hospice businesses; the reviewed sources do not describe a general commercial crime offering outside home care. Relm lists Commercial Crime as one of three crime products on its crime insurance page, alongside Digital Asset Crime and Smart Contract Crime. Relm sells crime insurance through insurance brokers; its reviewed pages do not describe a direct online quote. Neither page names a specific issuing insurer. ¹ ²

Client Theft Versus Digital Attack Methods

Relm addresses embezzlement, forgery and funds-transfer fraud plus flash-loan and oracle-manipulation attacks; Heffernan’s home-care package identifies third-party theft and employee dishonesty without those digital-infrastructure examples. ¹ ²

Care Providers Versus Any Business Holding Assets

Heffernan markets this coverage to home health providers, hospices, staffing agencies, infusion therapy providers and personal care assistants, says programs cover all states and agency sizes, and tells buyers to start at least 30 days before working with clients. Relm says crime coverage is relevant for any business that holds assets, whether fiat or digital. Heffernan’s home-care page does not publish specific crime or bond amounts. ¹ ²

What Should You Confirm in Heffernan Insurance Brokers and Relm Insurance Crime Insurance Quotes?

Confirm whether you need Heffernan’s home-care crime items or Relm Commercial Crime placed through a broker. ¹ ²
If you hold digital assets, ask Relm which of its three crime products applies. ²
Ask Heffernan for crime and bond limits separate from package cost ranges. ¹
Get the writing company on both quotes. ¹ ²

Heffernan Insurance Brokers vs Relm Insurance Crime Insurance Compared

Heffernan Insurance Brokers vs Relm Insurance: Crime Insurance: documented features by provider

Criteria	Heffernan Home Care Crime Insurance	Relm Commercial Crime Insurance
Who It’s For	Heffernan markets this crime coverage to home health care and in-home health care providers, hospices, staffing agencies and registries, infusion therapy providers and personal care assistants, and says its home care programs cover all states and agency sizes. ¹Company-reported. Home Care Business Insurance page's client-type and coverage-area descriptions; 'all states' is a company statement, not independently verified state-by-state licensing.	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. ²Company-reported. Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company.
How to Apply	Heffernan tells home care businesses to begin the insurance application process at least 30 days before working with clients and to contact Heffernan for a free rate quote, since rates vary by state. ¹Company-reported. Home Care Business Insurance page's cost-and-timing section.	Relm sells crime insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ²Company-reported. Crime page framing; consistent with Relm's broader broker-distribution model.
Coverage Features	Heffernan lists 'Crime – Third Party Theft' and a separate 'Employee Dishonesty Bond' among the coverages in its home care package, alongside workers' compensation, general and professional liability, and cyber and identity theft coverage. ¹Company-reported. Home Care Business Insurance page's coverage list; specific insuring agreements, exclusions and endorsements for the crime coverage are not published there.	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. ²Company-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. ²Company-reported. Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording.
Role in This Line	Heffernan arranges crime coverage, listed on its site as 'Crime – Third Party Theft,' as part of the insurance packages it builds for home care, home health and hospice businesses. This record only documents crime coverage in that home-care context; the reviewed sources do not describe a general commercial crime offering outside home care. ¹Company-reported. Home Care Business Insurance page's coverage list.	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. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.