Relm Insurance vs WTW: How Do They Compare for 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.

Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. ⁹Company-reported. Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement.

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 reviewed WTW sources do not identify an issuing insurer for a specific crime placement. ^9,8Not publicly disclosed. This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued policy.

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.

Confirm in your quote.

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.

WTW's FY2024 annual report lists crime insurance solutions within its global Financial, Executive and Professional Risks (FINEX) practice. ⁸Company-reported. Historical group-level service description only; it does not establish current U.S. availability, insurer, policy form, or a buyer's eligibility.

Confirm in your quote.

The reviewed sources do not state a buyer-specific crime limit, retention, or deductible. ^9,8Not publicly disclosed. No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control.

Confirm in your quote.

WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. ⁹Company-reported. Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording.

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.

WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. ⁹Company-reported. Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line.