Liberty Mutual vs 
Relm Insurance: How Do They Compare for Crime Insurance?
What Is Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 1,2
What Is Relm Insurance?
Relm suits AI developers distinguishing liability and cyber/Tech E&O through Nova AI from first-party losses caused by third-party AI failures through Resca AI; businesses seeking standard small-business coverage should compare generalist providers. 4,5
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 7,8,9,10,11
Key Differences in Crime Insurance
Conventional Fraud or Digital-Asset Risks
Liberty Mutual lists employee dishonesty, embezzlement, safe burglary, and computer fraud within ProShield. Relm describes commercial crime that addresses traditional theft and fraud alongside risks involving digital infrastructure and alternative-asset models, including flash-loan attacks and oracle manipulation. A business holding digital assets or relying on smart contracts should ask whether Relm’s proposed form names those loss mechanisms; buyers with conventional employee or premises exposures can compare those terms with ProShield’s listed examples. 3 6 6
Package Placement and Purchase Route
Liberty Mutual puts crime in ProShield, a package combining several management-liability coverages. Relm describes commercial crime as a distinct product and says buyers purchase through insurance brokers. Compare the proposed crime limit and how it interacts with other lines: ProShield is presented as one package policy, while Relm’s reviewed record does not establish whether its crime quote bundles with other coverage. 3 6 6
Eligibility and Issuing Insurer
Relm says crime is relevant to businesses holding fiat or digital assets, while Liberty Mutual identifies private and nonprofit organizations as ProShield’s audience. Relm’s reviewed page does not name the issuing insurer, and neither description establishes an individual buyer’s eligibility. Ask the broker to confirm the insurer and whether your asset type falls within the quoted form. 6 3 6
What to Confirm in Crime Insurance Quotes
- Ask Relm to identify the insurer and spell out coverage, exclusions, and sublimits for digital-asset theft, flash-loan attacks, and oracle manipulation. 6 6
- Ask Liberty Mutual for ProShield’s policy wording, aggregate, deductibles, and treatment of computer fraud and employee theft. 3
- Confirm whether the Relm crime proposal is standalone or can be coordinated with the other lines in your insurance program. 6
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Liberty Mutual
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsRelm Insurance
Review Score
No reviews found
We couldn't find any public customer reviews or ratings for Relm Insurance. Its Trustpilot page exists but has no reviews yet.[9]
Read Relm Insurance reviewsOffering Details
Liberty Mutual vs Relm Insurance: Crime Insurance: documented features by provider
| Criteria | Liberty Mutual ProShield Crime coverage | Relm Commercial Crime Insurance |
|---|---|---|
| Role in This Line | Liberty Mutual includes crime coverage in its ProShield management-liability package for private and not-for-profit organizations. 3Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 6Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name a specific issuing insurer for commercial crime placements. 6Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific. |
| Who It’s For | The source scopes ProShield to private and not-for-profit organizations; a specific organization’s eligibility is not established. 3Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 6Company-reported. Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company. |
| Coverage Features | The ProShield page lists employee dishonesty, embezzlement, safe burglary, computer fraud and other crime exposures, plus selected coverage enhancements; these are marketing summaries, not policy terms. 3Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 6Company-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. 6Company-reported. Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording. |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 3Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. | Confirm in your quote. |
| Risk Services | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. 3Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Relm sells crime insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 6Company-reported. Crime page framing; consistent with Relm's broader broker-distribution model. |
Full Comparison
More Liberty Mutual vs Relm Insurance Comparisons
Other Crime Insurance Comparisons
Sources
Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- ProShield. Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms. Accessed 2026-09-29.
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- 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
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
