---
title: "HUB International vs Relm Insurance: Crime Insurance"
description: "HUB serves private, public and nonprofit organizations with listed perils such as vendor theft; Relm is more relevant if you hold digital assets or face smart-contract attacks such as flash loans and oracle manipulation."
canonical: "https://spot.insure/compare/hub-international-vs-relm/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-relm"
provider-a: "hub-international"
provider-b: "relm"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of HUB International and Relm Insurance for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Crime Insurance questions about HUB International versus Relm Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Relm Insurance for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, HUB International or Relm Insurance?
- What does HUB International or Relm Insurance publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: HUB International and Relm Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile

# HUB International vs Relm Insurance: How Do They Compare for Crime Insurance?

Relm Insurance lists commercial, digital asset and smart contract crime products sold through brokers, for any business holding traditional money or digital assets; HUB International brokers crime cover for private, public and not-for-profit organizations.

HUB lists employee, vendor and computer fraud for private, public and nonprofit organizations; Relm addresses commercial crime and digital-asset or smart-contract attacks.

## HUB International vs Relm Insurance Crime Insurance Summary

HUB serves private, public and nonprofit organizations with listed perils such as vendor theft; Relm is more relevant if you hold digital assets or face smart-contract attacks such as flash loans and oracle manipulation. [1](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What Are the Key Differences Between HUB International and Relm Insurance Crime Insurance?

Relm names digital-infrastructure attack methods that HUB’s crime page does not discuss; HUB lists employee and vendor theft, forgery and computer fraud. If you hold crypto or run smart contracts, ask Relm which of its crime products addresses that exposure. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [1](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

### 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. [1](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [2](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. [1](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [2](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. [1](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What Should You Confirm in HUB International and Relm Insurance Crime Insurance Quotes?

- Ask whether you are buying Relm Commercial Crime through a broker or a HUB-placed policy with an outside carrier. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [1](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. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")
- Ask HUB whether vendor theft is on the form. [1](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")
- Get the writing company named on both quotes. [1](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## HUB International vs Relm Insurance Crime Insurance Compared

| Criteria | HUB International Crime Insurance Brokerage | Relm Commercial Crime Insurance |
| --- | --- | --- |
| Who It’s For | HUB says crime coverage is available for private, public and not-for-profit organizations. [1](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. [2](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..) |
| How to Apply | HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. [1](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. [2](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..) |
| Coverage Features | HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. [1](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. [1](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 us, 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. [2](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. [2](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..) |
| Role in This Line | HUB brokers commercial crime insurance rather than underwriting the coverage itself. [1](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. [2](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..) |

## About HUB International and Relm Insurance and Crime Insurance

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for HUB International vs Relm Insurance Crime Insurance

- [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 addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [HUB International Crime Insurance](https://spot.insure/insurance-providers/hub-international/crime)
- [Relm Insurance Crime Insurance](https://spot.insure/insurance-providers/relm/crime)

## Sources for HUB International vs Relm Insurance Crime Insurance

### Sources About HUB International

1. [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.

### Sources About Relm Insurance

2. [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.

Updated 2026-09-25. 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)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)