---
title: "Marsh McLennan Agency vs Relm Insurance: Crime Insurance"
description: "Relm describes commercial crime placements for fiat and digital assets, including DeFi attack scenarios; Marsh McLennan Agency names a crime line without detailing those risks."
canonical: "https://spot.insure/compare/marsh-mclennan-agency-vs-relm/crime"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "marsh-mclennan-agency-vs-relm"
provider-a: "marsh-mclennan-agency"
provider-b: "relm"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of Marsh McLennan Agency 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 Marsh McLennan Agency 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:**
- Marsh McLennan Agency vs Relm Insurance for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Marsh McLennan Agency or Relm Insurance?
- What does Marsh McLennan Agency or Relm Insurance publish about Crime Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Crime Insurance from Marsh McLennan Agency or Relm Insurance?

**Key facts:**
- Line: Crime Insurance. Providers: Marsh McLennan Agency 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:**
- [Marsh McLennan Agency vs Relm Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-relm) — parent: all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile (evidence)
- [Marsh McLennan Agency vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-relm/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-relm/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-relm/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-relm/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/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 Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/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 Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/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)

# Marsh McLennan Agency vs Relm Insurance: How Do They Compare for Crime Insurance?

Relm describes commercial crime placements for fiat and digital assets, including DeFi attack scenarios; Marsh McLennan Agency names a crime line without detailing those risks.

## Research Scope and Use

Use this comparison to evaluate Marsh McLennan Agency 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

Relm describes commercial crime placements for fiat and digital assets, including DeFi attack scenarios; Marsh McLennan Agency names a crime line without detailing those risks. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") [6](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What Is Marsh McLennan Agency?

Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. [1](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [2](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions")

[Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency)

## 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

### Coverage and Audience

Relm lists Commercial Crime alongside Digital Asset Crime and Smart Contract Crime, and says commercial placements address embezzlement, forgery and funds-transfer fraud. Marsh McLennan Agency identifies commercial crime and fidelity but does not list insured events. A company holding digital assets should ask whether a proposed standard crime form reaches those assets or needs a separate product. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") [6](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

### Terms and Buyer Support

Relm says its crime underwriting considers flash-loan attacks and oracle manipulation as well as traditional fraud. Marsh McLennan Agency’s overview does not describe digital-asset scenarios. Those are specific technology exposures, so ask Marsh McLennan Agency which carrier and wording would respond to protocol or smart-contract losses before treating ordinary crime coverage as sufficient. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") [6](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

### Placement and Claims Process

Relm places crime through brokers and does not describe a direct online quote. Marsh McLennan Agency invites buyers to speak with an adviser or specialist. Neither overview gives universal limits or confirms a specific carrier; compare the actual application, insurer and definitions of money, securities and property. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") [6](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What to Confirm in Crime Insurance Quotes

- Does Relm classify your held assets as fiat, digital or smart-contract exposure, and which product addresses each? Ask Marsh McLennan Agency what crime wording covers digital assets and protocol manipulation, if any. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") [6](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## Offering Details

| Criteria | Marsh McLennan Agency crime (official overview) | Relm Commercial Crime Insurance |
| --- | --- | --- |
| Role in This Line | Marsh McLennan Agency describes arranging crime for the audience stated on the cited product page. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | 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 | Organizations seeking executive and professional liability solutions; the page describes a dedicated practice group. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | 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 cited product page describes commercial crime/fidelity as a named executive and professional liability product; the overview does not specify insured events or terms. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | 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 overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) | Confirm in your quote. |
| How to Apply | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | 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

- [Marsh McLennan Agency vs Relm Insurance](https://spot.insure/compare/marsh-mclennan-agency-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.
- [Marsh McLennan Agency vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-relm/commercial-property)
- [Marsh McLennan Agency vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-relm/employment-practices)
- [Marsh McLennan Agency vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-relm/fiduciary)
- [Marsh McLennan Agency vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-relm/professional-errors-omissions)
- [AIG vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/crime)
- [AIG vs Relm Insurance Crime Insurance](https://spot.insure/compare/aig-vs-relm/crime)
- [Alliance Risk vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/crime)
- [Alliance Risk vs Relm Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-relm/crime)
- [Aon vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/crime)
- [Aon vs Relm Insurance Crime Insurance](https://spot.insure/compare/aon-vs-relm/crime)

## Sources

### Marsh McLennan Agency

1. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role.. Accessed 2026-09-29.
2. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted.. Accessed 2026-09-29.
3. [Executive and Professional Liability | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Policy suite lists commercial crime/fidelity among executive and professional liability offerings.. Accessed 2026-09-30.

### 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.

## Marsh McLennan Agency Reviews

Review Score: 8.2 / 10 from 2 rated sources, equally weighted.

There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.

- Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com)
- Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com)
- BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103)
- BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews)

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