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

Relm Insurance lists digital asset and smart contract crime products, sold through brokers; Marsh places crime through advisor-led engagement, with experience in complex placements of about $10 million to $110 million.

Marsh suits large programs needing complex placements or a social-engineering top-up; Relm is more relevant when theft could involve digital assets, flash loans or smart-contract oracle manipulation. ^1,³

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

Marsh’s $10 million to $110 million range describes placements it has handled, not promised policy limits. Relm names flash-loan and oracle-manipulation attack methods for crime involving digital infrastructure. ¹ ³

Marsh Placement Versus Relm’s Crime Line

Marsh’s financial and professional liability practice places commercial crime, and Marsh McLennan Agency also places crime bundled with fidelity. You engage Marsh’s crime specialists directly. 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 rather than a direct online quote. Neither reviewed page names a specific issuing insurer. ¹ ² ³

White-Collar and Hacking Risks Versus DeFi Methods

Marsh lists employee white-collar fraud, third-party fraud, collusion, hacking or computer-related crime, social-engineering fraud and tangible-asset theft, and notes that crime policies usually exclude ransomware though most cover funds stolen by hackers. Relm’s commercial crime coverage addresses embezzlement, forgery and funds-transfer fraud, alongside crime risks tied to digital infrastructure and alternative asset models. Relm says its crime underwriting considers flash-loan attacks that drain DeFi protocol liquidity and oracle manipulation. ¹ ³

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

Ask whether you are buying Relm Commercial Crime through a broker or a Marsh-placed policy. ³ ¹
If you hold digital assets, ask Relm which of its three crime products applies. ³
Ask Marsh whether ransomware is excluded and whether social-engineering infill is included. ¹
Get the writing company and limits from both. ¹ ³

Marsh vs Relm Insurance Crime Insurance Compared

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

Criteria	Marsh Commercial Crime Insurance Brokerage	Relm Commercial Crime Insurance
How to Apply	You engage Marsh's crime specialists (Marsh corporate or MMA) directly to identify crime exposure and place coverage; the reviewed pages describe advisor-led placement rather than an online quote tool. ^1,²Company-reported. Commercial crime insurance and MMA executive and professional liability pages.	Relm sells crime insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ³Company-reported. Crime page framing; consistent with Relm's broader broker-distribution model.
Coverage Features	Marsh lists employee white-collar fraud (including fidelity losses from trusted employees), third-party fraud, collusion, hacking or computer-related crime, social engineering fraud, and tangible asset theft as risks a commercial crime policy can address. It notes that crime policies usually exclude ransomware, though most cover direct financial losses from funds stolen by hackers. ¹Company-reported. Commercial crime insurance page; the page is Marsh's global/UK financial-professional-liability practice content and cites a UK-based crime leader, so figures and coverage descriptions may not reflect a US-specific program.	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. ³Company-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. ³Company-reported. Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording.
Role in This Line	Marsh's financial and professional liability practice places commercial crime insurance; Marsh McLennan Agency (MMA), the middle-market subsidiary, also places crime coverage bundled with fidelity as part of its executive and professional liability practice. ^1,²Company-reported. Marsh corporate commercial crime page and MMA executive and professional liability page.	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. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Criteria

Marsh Commercial Crime Insurance Brokerage

Relm Commercial Crime Insurance

How to Apply

You engage Marsh's crime specialists (Marsh corporate or MMA) directly to identify crime exposure and place coverage; the reviewed pages describe advisor-led placement rather than an online quote tool. ^1,²Company-reported. Commercial crime insurance and MMA executive and professional liability pages.

Relm sells crime insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ³Company-reported. Crime page framing; consistent with Relm's broader broker-distribution model.

Coverage Features

Marsh lists employee white-collar fraud (including fidelity losses from trusted employees), third-party fraud, collusion, hacking or computer-related crime, social engineering fraud, and tangible asset theft as risks a commercial crime policy can address. It notes that crime policies usually exclude ransomware, though most cover direct financial losses from funds stolen by hackers. ¹Company-reported. Commercial crime insurance page; the page is Marsh's global/UK financial-professional-liability practice content and cites a UK-based crime leader, so figures and coverage descriptions may not reflect a US-specific program.

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. ³Company-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. ³Company-reported. Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording.

Role in This Line

Marsh's financial and professional liability practice places commercial crime insurance; Marsh McLennan Agency (MMA), the middle-market subsidiary, also places crime coverage bundled with fidelity as part of its executive and professional liability practice. ^1,²Company-reported. Marsh corporate commercial crime page and MMA executive and professional liability page.

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. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.