Relm Insurance vs The Hartford: How Do They Compare for Crime Insurance?

Crime is one of five options in The Hartford's Private Choice Premier package; Relm Insurance lists commercial, digital asset and smart contract crime products, sold through brokers.

Relm is more relevant if you hold digital assets or run smart contracts; The Hartford names public, private and nonprofit organizations and offers crime in Private Choice Premier plus a separate financial-institutions track. ^1,²

What Are the Key Differences Between Relm Insurance and The Hartford Crime Insurance?

The Hartford gives employee theft, forgery and robbery as crime examples and names public companies and nonprofits among buyers. Relm instead describes flash-loan and oracle-manipulation scenarios for digital infrastructure. ² ¹

Package Slot Versus Line-of-Business Product

The Hartford treats crime insurance as one of five options in Private Choice Premier and also offers bond and commercial crime (fidelity) on its financial-institutions track. Relm lists Commercial Crime as a dedicated line-of-business product (with Digital Asset Crime and Smart Contract Crime treated separately) and sells it through brokers. Relm’s reviewed page does not name an issuing insurer; The Hartford’s management-liability page likewise does not record a crime-specific issuing entity in the offering claims. ² ¹

Theft Types Each Describes

Relm’s commercial crime coverage addresses embezzlement, forgery and funds-transfer fraud and crime risks tied to digital infrastructure, and its underwriting discussion includes flash-loan attacks that drain DeFi liquidity and oracle manipulation of smart contracts. The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, with an example of an employee stealing money from a cash register. ¹ ²

Who Each Says Needs It

Relm says crime coverage is relevant for any business that holds assets, fiat or digital. The Hartford’s crime coverage is available to nonprofits, publicly traded companies and privately held companies as part of its management-liability lineup. Relm’s pages do not describe a direct online quote. The Hartford’s reviewed crime claims do not describe an application path. ¹ ²

What Should You Confirm in Relm Insurance and The Hartford Crime Insurance Quotes?

Ask The Hartford whether crime is quoted inside Private Choice Premier or as financial-institutions bond and commercial crime (fidelity). ²
Ask Relm which of its three crime products is on the quote and which insurer issues it. ¹
Compare whether digital-asset attacks Relm describes are in scope on The Hartford wording. ¹ ²
Get limits and retentions; Relm’s crime page does not publish them, and The Hartford’s reviewed crime claims do not either. ¹ ²

Relm Insurance vs The Hartford Crime Insurance Compared

Relm Insurance vs The Hartford: Crime Insurance: documented features by provider

Criteria	Relm Commercial Crime Insurance	The Hartford Crime Insurance
Who It’s For	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. ¹Company-reported. Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company.	The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. ²Company-reported. Management liability product page as read 2026-09-23.
Coverage Features	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. ¹Company-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. ¹Company-reported. Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording.	The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. ²Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.
Role in This Line	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. ¹Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.	The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. ²Company-reported. Management liability product page as read 2026-09-23.

Criteria

Relm Commercial Crime Insurance

The Hartford Crime Insurance

Who It’s For

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. ¹Company-reported. Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company.

The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. ²Company-reported. Management liability product page as read 2026-09-23.

Coverage Features

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. ¹Company-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. ¹Company-reported. Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording.

The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. ²Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.

Role in This Line

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. ¹Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. ²Company-reported. Management liability product page as read 2026-09-23.