HUB International vs Relm Insurance Crime Insurance

HUB brokers commercial crime insurance rather than underwriting the coverage itself. ⁴Company-reported. Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer.

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. ⁷Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

The crime insurance page does not name an issuing insurer; HUB places crime coverage with carriers that vary by client and placement. ⁴Not found in reviewed sources. Checked the crime insurance product page on 2026-09-23; no carrier is disclosed there.

The reviewed page does not name a specific issuing insurer for commercial crime placements. ⁷Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

HUB says crime coverage is available for private, public and not-for-profit organizations. ⁴Company-reported. Product-page organization-type list; not a published underwriting appetite by size or industry.

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. ⁷Company-reported. Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company.

HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. ⁴Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim.

HUB cites industry statistics that organizations lose about 5% of revenue to fraud each year, that fraud often takes about 18 months to detect, and that more than 23% of fraud cases result in losses of $1 million or more, to frame the need for crime coverage. ⁴Company-reported. Product-page statistics are company-cited figures, not independently verified by Spot, and are general fraud statistics rather than HUB-specific claims data.

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. ⁷Company-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. ⁷Company-reported. Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording.

Published policy limits, deductibles or premium information for HUB-placed crime coverage were not found on the product page. ⁴Not publicly disclosed. Checked the crime insurance product page on 2026-09-23; limits are set on the quote and declarations.

Not described in the reviewed sources.

HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. ⁴Company-reported. Product-page call to action as read 2026-09-23.

Relm sells crime insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ⁷Company-reported. Crime page framing; consistent with Relm's broader broker-distribution model.