Marsh vs Relm Insurance Crime Insurance

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. ^5,6Company-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. ⁹Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

The reviewed pages do not name a specific crime insurer. Marsh says definitions and extensions for crime coverage differ across insurers and that it works to secure coverage aligned with a client's risks, implying the carrier varies by placement. ⁵Not publicly disclosed. Commercial crime insurance page as read on 2026-09-23.

The reviewed page does not name a specific issuing insurer for commercial crime placements. ⁹Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

Not described in the reviewed sources.

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. ⁹Company-reported. Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company.

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. ⁵Company-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. ⁹Company-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. ⁹Company-reported. Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording.

Marsh says its team has experience handling complex crime placements ranging from about $10 million to $110 million (also stated in GBP as £10 million to £100 million elsewhere on the page), but does not publish standard limits, retentions or premiums for a specific placement. ⁵Company-reported. Commercial crime insurance page; a description of Marsh's placement experience range, not a quoted limit for any individual buyer.

Not described in the reviewed sources.

Marsh says it provides insights on emerging crime risks, claim examples, market conditions and product education throughout renewal and placement, and offers infill and top-up social engineering cover in excess of a client's existing program. ⁵Company-reported. Commercial crime insurance page, Why Marsh section.

Not described in the reviewed sources.

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. ^5,6Company-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. ⁹Company-reported. Crime page framing; consistent with Relm's broader broker-distribution model.