Relm Insurance vs 
USI Insurance Services Crime Insurance
Relm sells commercial crime through brokers with digital-asset attack language; USI brokers crime for service trades and reviews it in ExecuSafe.
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. 1,2
What Is USI Insurance Services?
USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. 4,5,6
What Is Crime Insurance?
Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. 9
Key Differences in Crime Insurance
Underwriting Focus Versus Broker Catalogue
Relm lists Commercial Crime as a product brokers can place, with coverage for embezzlement, forgery and funds-transfer fraud and underwriting attention to flash-loan and oracle attacks. USI brokers crime covering employee theft and related fraud, either standalone or inside an ExecuSafe management-liability review. Relm’s crime page does not name an issuing insurer; USI’s Business Services and ExecuSafe pages also do not. 3 7 8
Client Segments
Relm frames crime as relevant for any business holding fiat or digital assets. USI’s Business Services practice lists building and maintenance, repair, janitorial, staffing and printing companies as the client base for a catalogue that includes crime. 3 7
Services and Intake
USI describes classification and exposure reviews, claim advocacy and risk control, and ExecuSafe checks existing crime coverage for gaps. Relm’s reviewed crime page does not describe line-specific risk-control services. Relm sells through brokers without a direct online quote. USI directs business-services contacts to a published email inbox or a local office and ExecuSafe to a Select Business inbox. Neither side publishes crime limits on the reviewed pages. 7 8 3
What to Confirm in Crime Insurance Quotes
- Ask Relm whether digital-asset crime products are in or out of the commercial crime quote. 3
- Ask USI whether the quote is standalone crime or an ExecuSafe review, and which insurer issues it. 8 7
- Compare funds-transfer and social-engineering terms; Relm names funds-transfer fraud, while USI’s pages do not list insuring agreements. 3 7
- Get limits and retentions from both quotes. 3 7
Offering Details
Relm Insurance vs USI Insurance Services Crime Insurance: documented features by provider
| Criteria | Relm Commercial Crime Insurance | USI Crime Insurance Brokerage |
|---|---|---|
| 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. 3Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. | USI brokers crime insurance, which covers losses from employee theft and related fraud, either as a standalone placement or as part of a management liability review under ExecuSafe. 7,8Company-reported. Business Services catalogue and ExecuSafe article. |
| Issuing Insurer | 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. | Neither page names the insurer USI uses for crime placements. 7Not publicly disclosed. Pages as read on 2026-09-23. |
| 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. 3Company-reported. Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company. | USI's Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct as one of the risk exposures it addresses for them. 7Company-reported. Company description of client base. |
| 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. 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. | USI lists crime among the coverages it places for business-services clients, and its ExecuSafe review checks a client's existing crime coverage as part of a broader management liability review. 7,8Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy. |
| Limits and Retentions | Not described in the reviewed sources. | Neither page publishes crime coverage limit or retention figures. 7Not publicly disclosed. Pages as read on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines including crime, and its ExecuSafe process specifically checks existing crime coverage for gaps. 7,8Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step. |
| How to Apply | 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. | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. 7,8Company-reported. Contact instructions on each page. |
Full Comparison
More Relm Insurance vs USI Insurance Services Comparisons
Other Crime Insurance Comparisons
Sources
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- Crime Insurance. Relm Insurance; What is Commercial Crime Coverage?; What Crime Risks Do Innovative Companies Face?; Who Needs Crime Coverage? Accessed 2026-09-23.
USI Insurance Services
- The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
- Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- Business Services. USI Insurance Services; USI advises clients...and provides solutions for...Crime... Accessed 2026-09-23.
- Protect Your Company and Personal Assets From Management Liability Risks. USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime). Accessed 2026-09-23.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
