---
title: "Relm Insurance vs USI Insurance Services Crime Insurance"
description: "Relm sells commercial crime through brokers with digital-asset attack language; USI brokers crime for service trades and reviews it in ExecuSafe."
canonical: "https://spot.insure/compare/relm-vs-usi/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/relm-vs-usi/crime)

# 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.

## Research Scope and Use

Use this comparison to evaluate Relm Insurance and USI Insurance Services 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

Relm describes commercial crime covering embezzlement, forgery, funds-transfer fraud and emerging DeFi attacks. USI places crime for building, janitorial, staffing and similar trades, or checks existing crime coverage inside ExecuSafe, without naming an insurer. [3](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [7](https://www.usi.com/property-casualty/business-services/ "Business Services") [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

## 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](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [2](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## 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](https://www.usi.com/about-usi "The Power of ONE") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [6](https://www.usi.com/commissions-fees/ "Commissions and Fees")

[USI Insurance Services profile](https://spot.insure/insurance-providers/usi)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## 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](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [7](https://www.usi.com/property-casualty/business-services/ "Business Services") [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

### 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](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [7](https://www.usi.com/property-casualty/business-services/ "Business Services")

### 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [3](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What to Confirm in Crime Insurance Quotes

- Ask Relm whether digital-asset crime products are in or out of the commercial crime quote. [3](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")
- Ask USI whether the quote is standalone crime or an ExecuSafe review, and which insurer issues it. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [7](https://www.usi.com/property-casualty/business-services/ "Business Services")
- Compare funds-transfer and social-engineering terms; Relm names funds-transfer fraud, while USI’s pages do not list insuring agreements. [3](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [7](https://www.usi.com/property-casualty/business-services/ "Business Services")
- Get limits and retentions from both quotes. [3](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [7](https://www.usi.com/property-casualty/business-services/ "Business Services")

## Offering Details

| 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. [3](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..) | 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Business Services catalogue and ExecuSafe article..) |
| Issuing Insurer | The reviewed page does not name a specific issuing insurer for commercial crime placements. [3](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..) | Neither page names the insurer USI uses for crime placements. [7](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Not publicly disclosed; scope: 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. [3](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..) | 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. [7](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: 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. [3](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. [3](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..) | 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: 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. [7](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Not publicly disclosed; scope: 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: 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. [3](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..) | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. [7](https://www.usi.com/property-casualty/business-services/ "Business Services") [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Contact instructions on each page..) |

## Full Comparison

- [Relm Insurance vs USI Insurance Services](https://spot.insure/compare/relm-vs-usi): 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.
- [Relm Insurance vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/relm-vs-usi/commercial-property)
- [Relm Insurance vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/relm-vs-usi/cyber)
- [Relm Insurance vs USI Insurance Services D&O Insurance](https://spot.insure/compare/relm-vs-usi/directors-officers)
- [Relm Insurance vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/relm-vs-usi/employment-practices)
- [Relm Insurance vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/relm-vs-usi/fiduciary)
- [Relm Insurance vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/relm-vs-usi/professional-errors-omissions)
- [Alliance Risk vs Relm Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-relm/crime)
- [Alliance Risk vs USI Insurance Services Crime Insurance](https://spot.insure/compare/alliance-risk-vs-usi/crime)
- [Beazley vs Relm Insurance Crime Insurance](https://spot.insure/compare/beazley-vs-relm/crime)
- [Beazley vs USI Insurance Services Crime Insurance](https://spot.insure/compare/beazley-vs-usi/crime)
- [CFC vs Relm Insurance Crime Insurance](https://spot.insure/compare/cfc-vs-relm/crime)
- [CFC vs USI Insurance Services Crime Insurance](https://spot.insure/compare/cfc-vs-usi/crime)

## Sources

### Relm Insurance

1. [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.
2. [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.
3. [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.

### USI Insurance Services

4. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
5. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
6. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
7. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Crime.... Accessed 2026-09-23.
8. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-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

9. [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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- [Markdown page](https://spot.insure/compare/relm-vs-usi/crime.md)
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