Lockton vs Relm Insurance: How Do They Compare for Crime Insurance?

Lockton places brokered crime and fidelity programs with a claims team inside its broking team; Relm Insurance lists commercial crime among three crime products, adds digital-asset and smart-contract lines, and sells through insurance brokers.

Lockton suits buyers who want a dedicated crime claims team and listed protections such as social-engineering impersonation; Relm is more relevant when digital assets or smart-contract attacks are a concern. ^1,²

What Are the Key Differences Between Lockton and Relm Insurance Crime Insurance?

Relm describes flash-loan attacks and oracle manipulation; Lockton names social-engineering impersonation and lists its claims team. Ask Relm which product applies if your loss could involve a digital wallet or smart contract. ² ¹

Brokered Program Versus Relm Product Line

Lockton places Crime and Fidelity as a brokered program, not a policy Lockton underwrites. 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. ¹ ²

Impersonation Fraud Versus Flash-Loan and Oracle Attacks

Lockton lists employee theft, forgery, computer fraud, counterfeit currency and social-engineering impersonation; Relm adds digital-infrastructure examples such as flash-loan and oracle-manipulation attacks. ¹ ²

What Should You Confirm in Lockton and Relm Insurance Crime Insurance Quotes?

Ask whether you are buying Relm Commercial Crime through a broker or a Lockton-placed Crime and Fidelity program. ² ¹
If you hold digital assets, ask Relm which of its three crime products applies. ²
If you are a financial institution, ask Lockton whether a financial institution bond is required. ¹
Get the writing company on both quotes. ¹ ²

Lockton vs Relm Insurance Crime Insurance Compared

Lockton vs Relm Insurance: Crime Insurance: documented features by provider

Criteria	Lockton Crime and Fidelity Insurance Brokerage	Relm Commercial Crime Insurance
Who It’s For	Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. It also notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. ¹Company-reported. Crime and Fidelity product page as read 2026-09-23.	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. ²Company-reported. Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company.
Coverage Features	Lockton lists the claim types a crime and fidelity program is meant to address: employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social engineering (impersonation) fraud involving customers, vendors or employees. ¹Company-reported. Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy.	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. ²Company-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. ²Company-reported. Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording.
Role in This Line	Lockton places Crime and Fidelity insurance to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties; it describes this as a brokered program, not a policy Lockton underwrites. ¹Company-reported. Crime and Fidelity product page as read 2026-09-23.	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. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Criteria

Lockton Crime and Fidelity Insurance Brokerage

Relm Commercial Crime Insurance

Who It’s For

Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. It also notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. ¹Company-reported. Crime and Fidelity product page as read 2026-09-23.

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. ²Company-reported. Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company.

Coverage Features

Lockton lists the claim types a crime and fidelity program is meant to address: employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social engineering (impersonation) fraud involving customers, vendors or employees. ¹Company-reported. Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy.

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. ²Company-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. ²Company-reported. Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording.

Role in This Line

Lockton places Crime and Fidelity insurance to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties; it describes this as a brokered program, not a policy Lockton underwrites. ¹Company-reported. Crime and Fidelity product page as read 2026-09-23.

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. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.