---
title: "HUB International vs Relm Insurance Crime Insurance"
description: "HUB brokers listed commercial crime perils; Relm underwrites commercial crime that also addresses digital-infrastructure theft and sells through brokers."
canonical: "https://spot.insure/compare/hub-international-vs-relm/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# HUB International vs Relm Insurance Crime Insurance

HUB brokers listed commercial crime perils; Relm underwrites commercial crime that also addresses digital-infrastructure theft and sells through brokers.

## Research Scope and Use

Use this comparison to evaluate HUB International 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

HUB brokers commercial crime rather than underwriting it, listing employee theft, vendor theft, forgery, computer fraud and funds-transfer fraud. Relm lists Commercial Crime on its crime line-of-business page, covering embezzlement, forgery and funds-transfer fraud plus digital-infrastructure crime, and sells through insurance brokers. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [7](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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. [5](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [6](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. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### Broker Versus Relm’s Crime Product Line

HUB brokers commercial crime insurance rather than underwriting it, and its crime page does not name an issuing insurer. Relm lists Commercial Crime as one of three crime products on its crime insurance page, alongside Digital Asset Crime and Smart Contract Crime, and sells crime coverage through insurance brokers rather than a direct online quote. Relm’s reviewed page does not name a specific issuing insurer. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [7](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

### Vendor and Computer Fraud Versus DeFi Attack Methods

HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud. 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. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [7](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

### Organization Types Versus Asset Holders

HUB says crime coverage is available for private, public and not-for-profit organizations and directs prospects to connect with a broker through its business-insurance contact page. Relm says crime coverage is relevant for any business that holds assets, whether fiat or digital. HUB’s product page does not publish policy limits; Relm’s reviewed page also does not publish standard commercial-crime limits in the extracted claims. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [7](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What to Confirm in Crime Insurance Quotes

- Ask whether you are buying Relm Commercial Crime through a broker or a HUB-placed policy with an outside carrier. [7](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")
- If you hold digital assets, ask Relm which of its three crime products applies. [7](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")
- Ask HUB whether vendor theft is on the form. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")
- Get the writing company named on both quotes. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [7](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## Offering Details

| Criteria | HUB International Crime Insurance Brokerage | Relm Commercial Crime Insurance |
| --- | --- | --- |
| Role in This Line | HUB brokers commercial crime insurance rather than underwriting the coverage itself. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: 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. [7](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 | The crime insurance page does not name an issuing insurer; HUB places crime coverage with carriers that vary by client and placement. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Not found in reviewed sources; scope: 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. [7](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 | HUB says crime coverage is available for private, public and not-for-profit organizations. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: 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. [7](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 | HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Product-page coverage list; the issued policy and its exclusions control an actual claim..)<br><br>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. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: 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. [7](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. [7](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 | Published policy limits, deductibles or premium information for HUB-placed crime coverage were not found on the product page. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Not publicly disclosed; scope: Checked the crime insurance product page on 2026-09-23; limits are set on the quote and declarations..) | Not described in the reviewed sources. |
| How to Apply | HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: 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. [7](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

- [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-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.
- [HUB International vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-relm/commercial-property)
- [HUB International vs Relm Insurance Cyber Insurance](https://spot.insure/compare/hub-international-vs-relm/cyber)
- [HUB International vs Relm Insurance D&O Insurance](https://spot.insure/compare/hub-international-vs-relm/directors-officers)
- [HUB International vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-relm/employment-practices)
- [HUB International vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-relm/fiduciary)
- [HUB International vs Relm Insurance General Liability Insurance](https://spot.insure/compare/hub-international-vs-relm/general-liability)
- [HUB International vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-relm/inland-marine)
- [HUB International vs Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-relm/kidnap-ransom)
- [HUB International vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/hub-international-vs-relm/product-liability)
- [HUB International vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-relm/professional-errors-omissions)
- [HUB International vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-relm/technology-errors-omissions)
- [HUB International vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-relm/umbrella-excess)
- [Alliance Risk vs HUB International Crime Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/crime)
- [Alliance Risk vs Relm Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-relm/crime)
- [Beazley vs HUB International Crime Insurance](https://spot.insure/compare/beazley-vs-hub-international/crime)
- [Beazley vs Relm Insurance Crime Insurance](https://spot.insure/compare/beazley-vs-relm/crime)
- [CFC vs HUB International Crime Insurance](https://spot.insure/compare/cfc-vs-hub-international/crime)
- [CFC vs Relm Insurance Crime Insurance](https://spot.insure/compare/cfc-vs-relm/crime)

## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
4. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Fraud-loss statistics; coverage types: employee theft, vendor theft, forgery, asset misappropriation, computer fraud, funds transfer fraud; organization types: private, public, not-for-profit; Connect With a Broker. Accessed 2026-09-23.

### Relm Insurance

5. [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.
6. [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.
7. [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

8. [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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-relm/crime.md)
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- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)