Relm Insurance vs Travelers Crime Insurance

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.

Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. ⁷Company-reported. Product page "What is fidelity and crime coverage?" section.

The reviewed page does not name a specific issuing insurer for commercial crime placements. ³Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. ⁷Company-reported. Product page video legal footer.

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. ³Company-reported. Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company.

Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. ⁷Company-reported. Product page "Who is fidelity and crime coverage right for?" section.

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.

Travelers says the coverage addresses loss from forgery or alteration, loss of money and securities, and reimbursement for claim expenses, protecting against threats such as employee dishonesty and theft, funds transfer fraud, computer fraud, employee fraud and social engineering fraud. ⁷Company-reported. Product page "What is fidelity and crime coverage?" and "Types of fidelity and crime claims" sections; exact terms and exclusions are set by the issued policy.

Not described in the reviewed sources.

The reviewed page does not publish limits, deductibles or premiums for fidelity and crime coverage; it cites a median fraud loss of $130,000 and says at least one in five cases costs $1 million or more as general risk context, not as policy terms. ⁷Not found in reviewed sources. Product page video statistics and general text as read on 2026-09-23.

Not described in the reviewed sources.

Travelers offers a social engineering fraud endorsement and publishes guidance such as "Coverage 101" and social-engineering protection resources alongside the product. ⁷Company-reported. Product page Resources section.

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.

Fidelity and crime coverage is bought through a Travelers independent agent. ⁷Company-reported. Product page "Find an insurance agent" call to action.