---
title: "Marsh vs Relm Insurance Crime Insurance"
description: "Marsh places commercial crime including $10–$110 million work and social-engineering top-up; Relm underwrites commercial crime that also addresses digital-infrastructure theft."
canonical: "https://spot.insure/compare/marsh-vs-relm/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Marsh vs Relm Insurance Crime Insurance

Marsh places commercial crime including $10–$110 million work and social-engineering top-up; Relm underwrites commercial crime that also addresses digital-infrastructure theft.

## Research Scope and Use

Use this comparison to evaluate Marsh 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

Marsh’s financial and professional liability practice places commercial crime, cites experience with complex placements from about $10 million to $110 million, and notes that crime policies usually exclude ransomware. Relm lists Commercial Crime on its crime line-of-business page, covering embezzlement, forgery and funds-transfer fraud plus digital-infrastructure crime, and sells through insurance brokers. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What Is Marsh?

Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [2](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [3](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [4](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

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

## What Is Relm Insurance?

Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. [7](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [8](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 addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### 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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [6](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

### 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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What to Confirm in Crime Insurance Quotes

- Ask whether you are buying Relm Commercial Crime through a broker or a Marsh-placed policy. [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")
- If you hold digital assets, ask Relm which of its three crime products applies. [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")
- Ask Marsh whether ransomware is excluded and whether social-engineering infill is included. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")
- Get the writing company and limits from both. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## Offering Details

| Criteria | Marsh Commercial Crime Insurance Brokerage | Relm Commercial Crime Insurance |
| --- | --- | --- |
| 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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [6](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Company-reported; scope: 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. [9](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 | 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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") (Evidence: Not publicly disclosed; scope: Commercial crime insurance page as read on 2026-09-23..) | The reviewed page does not name a specific issuing insurer for commercial crime placements. [9](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 | 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. [9](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 | 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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") (Evidence: Company-reported; scope: 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. [9](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. [9](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 | 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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") (Evidence: Company-reported; scope: 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. |
| Risk Services | 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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") (Evidence: Company-reported; scope: Commercial crime insurance page, Why Marsh section..) | Not described in the reviewed sources. |
| 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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [6](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Company-reported; scope: 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. [9](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 vs Relm Insurance](https://spot.insure/compare/marsh-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Marsh vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/marsh-vs-relm/commercial-property)
- [Marsh vs Relm Insurance Cyber Insurance](https://spot.insure/compare/marsh-vs-relm/cyber)
- [Marsh vs Relm Insurance D&O Insurance](https://spot.insure/compare/marsh-vs-relm/directors-officers)
- [Marsh vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/marsh-vs-relm/employment-practices)
- [Marsh vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/marsh-vs-relm/fiduciary)
- [Marsh vs Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/compare/marsh-vs-relm/kidnap-ransom)
- [Marsh vs Relm Insurance Media Liability Insurance](https://spot.insure/compare/marsh-vs-relm/media)
- [Marsh vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-vs-relm/professional-errors-omissions)
- [Marsh vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/marsh-vs-relm/technology-errors-omissions)
- [Alliance Risk vs Marsh Crime Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/crime)
- [Alliance Risk vs Relm Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-relm/crime)
- [Beazley vs Marsh Crime Insurance](https://spot.insure/compare/beazley-vs-marsh/crime)
- [Beazley vs Relm Insurance Crime Insurance](https://spot.insure/compare/beazley-vs-relm/crime)
- [CFC vs Marsh Crime Insurance](https://spot.insure/compare/cfc-vs-marsh/crime)
- [CFC vs Relm Insurance Crime Insurance](https://spot.insure/compare/cfc-vs-relm/crime)

## Sources

### Marsh

1. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
2. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
3. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
4. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
5. [Commercial crime insurance](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html). Marsh; Opening positioning; The crime risks businesses cannot ignore; What does commercial crime insurance cover? (employee white-collar fraud, third-party fraud, collusion, hacking, social engineering fraud, tangible asset theft); Why Marsh: complex crime placements up to $110 million. Accessed 2026-09-23.
6. [Expert Executive and Professional Liability Insurance](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Our policies include D&O, E&O, EPL, commercial crime/fidelity, network security privacy risk/cyber, fiduciary, media liability, IP, architects and engineers, lawyers professional, and kidnap and ransom. Accessed 2026-09-23.

### Relm Insurance

7. [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.
8. [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.
9. [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

10. [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.

Updated 2026-09-23. 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.

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