---
title: "Lockton vs Relm Insurance: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/lockton-vs-relm/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-relm"
provider-a: "lockton"
provider-b: "relm"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of Lockton 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 Lockton 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:**
- Lockton vs Relm Insurance for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Lockton or Relm Insurance?
- What does Lockton or Relm Insurance publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Lockton 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:**
- [Lockton vs Relm Insurance](https://spot.insure/compare/lockton-vs-relm) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile

# 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 lists crime and social-engineering claims and names a dedicated claims team; Relm separately offers commercial, digital-asset and smart-contract crime.

## Lockton vs Relm Insurance Crime Insurance Summary

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](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## 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](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

### 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](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

### 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](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## 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](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- 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")
- If you are a financial institution, ask Lockton whether a financial institution bond is required. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Get the writing company on both quotes. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## Lockton vs Relm Insurance Crime Insurance Compared

| 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. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: 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. [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..) |
| 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. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: 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. [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 | 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. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: 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. [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 Lockton and Relm Insurance and Crime Insurance

- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/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 Lockton vs Relm Insurance Crime Insurance

- [Lockton vs Relm Insurance](https://spot.insure/compare/lockton-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.
- [Lockton Crime Insurance](https://spot.insure/insurance-providers/lockton/crime)
- [Relm Insurance Crime Insurance](https://spot.insure/insurance-providers/relm/crime)

## Sources for Lockton vs Relm Insurance Crime Insurance

### Sources About Lockton

1. [Crime and Fidelity Insurance](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance). Lockton; What is Crime and Fidelity Insurance?; Who needs to purchase Crime and Fidelity Insurance?; Types of Crime and Fidelity claims; Claims management. 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/lockton-vs-relm/crime.md)
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