---
title: "Liberty Mutual vs Relm Insurance: Crime Insurance"
description: "Liberty Mutual places crime within ProShield management liability, while Relm describes commercial crime for businesses with traditional and digital-asset exposures."
canonical: "https://spot.insure/compare/liberty-mutual-vs-relm/crime"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "liberty-mutual-vs-relm"
provider-a: "liberty-mutual"
provider-b: "relm"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of Liberty Mutual 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 Liberty Mutual versus Relm Insurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Liberty Mutual vs Relm Insurance for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Liberty Mutual or Relm Insurance?
- What does Liberty Mutual or Relm Insurance publish about Crime Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Crime Insurance from Liberty Mutual or Relm Insurance?

**Key facts:**
- Line: Crime Insurance. Providers: Liberty Mutual and Relm Insurance.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Liberty Mutual vs Relm Insurance](https://spot.insure/compare/liberty-mutual-vs-relm) — parent: all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile (evidence)
- [Liberty Mutual vs Relm Insurance Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-relm/cyber) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-relm/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Relm Insurance General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-relm/general-liability) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/liberty-mutual-vs-relm/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/compare/liberty-mutual-vs-relm/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/liberty-mutual-vs-relm/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-relm/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Relm Insurance Crime Insurance](https://spot.insure/compare/aig-vs-relm/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Relm Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-relm/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Relm Insurance Crime Insurance](https://spot.insure/compare/aon-vs-relm/crime) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Liberty Mutual Crime Insurance](https://spot.insure/compare/baldwin-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)

# Liberty Mutual vs Relm Insurance: How Do They Compare for Crime Insurance?

Liberty Mutual places crime within ProShield management liability, while Relm describes commercial crime for businesses with traditional and digital-asset exposures.

## Research Scope and Use

Use this comparison to evaluate Liberty Mutual 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

Liberty Mutual’s ProShield overview names employee dishonesty, embezzlement, safe burglary, and computer fraud. Relm describes commercial crime for traditional theft and fraud as well as risks tied to digital infrastructure and alternative assets, with placement through brokers. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") [6](https://relminsurance.com/lines-of-business/crime-insurance/ "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](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## 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](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [5](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 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](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [8](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [9](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [10](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [11](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application")

## 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](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") [6](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [6](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

### 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](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") [6](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [6](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

### 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](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") [6](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## 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](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [6](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")
- Ask Liberty Mutual for ProShield’s policy wording, aggregate, deductibles, and treatment of computer fraud and employee theft. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")
- Confirm whether the Relm crime proposal is standalone or can be coordinated with the other lines in your insurance program. [6](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## Offering Details

| 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. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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. [6](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 | Confirm in your quote. | The reviewed page does not name a specific issuing insurer for commercial crime placements. [6](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 | The source scopes ProShield to private and not-for-profit organizations; a specific organization’s eligibility is not established. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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. [6](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 | 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. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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. [6](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. [6](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 | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Not publicly disclosed; scope: 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. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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. [6](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

- [Liberty Mutual vs Relm Insurance](https://spot.insure/compare/liberty-mutual-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.
- [Liberty Mutual vs Relm Insurance Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-relm/cyber)
- [Liberty Mutual vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-relm/fiduciary)
- [Liberty Mutual vs Relm Insurance General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-relm/general-liability)
- [Liberty Mutual vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/liberty-mutual-vs-relm/inland-marine)
- [Liberty Mutual vs Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/compare/liberty-mutual-vs-relm/kidnap-ransom)
- [Liberty Mutual vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/liberty-mutual-vs-relm/technology-errors-omissions)
- [Liberty Mutual vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-relm/umbrella-excess)
- [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime)
- [AIG vs Relm Insurance Crime Insurance](https://spot.insure/compare/aig-vs-relm/crime)
- [Alliance Risk vs Relm Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-relm/crime)
- [Aon vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/crime)
- [Aon vs Relm Insurance Crime Insurance](https://spot.insure/compare/aon-vs-relm/crime)
- [The Baldwin Group vs Liberty Mutual Crime Insurance](https://spot.insure/compare/baldwin-vs-liberty-mutual/crime)

## Sources

### Liberty Mutual

1. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/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.
2. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-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.
3. [ProShield](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/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

4. [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.
5. [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.
6. [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

7. [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.
8. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
9. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). 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.
10. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16.
11. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). 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.

Updated 2026-09-30. 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.

## Liberty Mutual Reviews

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews).

## Relm Insurance Reviews

Review Score: not enough ratings.

We couldn't find any public customer reviews or ratings for Relm Insurance. Its Trustpilot page exists but has no reviews yet.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/relm/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/liberty-mutual-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)