Hub International vs Relm: Commercial Crime Insurance

Relm Insurance lists commercial, digital asset and smart contract crime products sold through brokers, for any business holding traditional money or digital assets; HUB International brokers crime cover for private, public and not-for-profit organizations.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-25

What Are the Key Differences Between HUB International and Relm Insurance Crime Insurance?

Relm names digital-infrastructure attack methods that HUB’s crime page does not discuss; HUB lists employee and vendor theft, forgery and computer fraud. If you hold crypto or run smart contracts, ask Relm which of its crime products addresses that exposure. [4] [3]

Broker Versus Relm’s Crime Product Line

HUB brokers commercial crime insurance rather than underwriting it, and its crime page does not name an issuing insurer. Relm lists Commercial Crime as one of three crime products on its crime insurance page, alongside Digital Asset Crime and Smart Contract Crime, and sells crime coverage through insurance brokers rather than a direct online quote. Relm’s reviewed page does not name a specific issuing insurer. [3] [4]

Vendor and Computer Fraud Versus DeFi Attack Methods

HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud. 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. Relm says its crime underwriting considers emerging methods such as flash-loan attacks that drain DeFi protocol liquidity and oracle manipulation. [3] [4]

Organization Types Versus Asset Holders

HUB says crime coverage is available for private, public and not-for-profit organizations and directs prospects to connect with a broker through its business-insurance contact page. Relm says crime coverage is relevant for any business that holds assets, whether fiat or digital. HUB’s product page does not publish policy limits; Relm’s reviewed page also does not publish standard commercial-crime limits in the extracted claims. [3] [4]

What Should You Confirm in HUB International and Relm Insurance Crime Insurance Quotes?

  • Ask whether you are buying Relm Commercial Crime through a broker or a HUB-placed policy with an outside carrier. [4] [3]
  • If you hold digital assets, ask Relm which of its three crime products applies. [4]
  • Ask HUB whether vendor theft is on the form. [3]
  • Get the writing company named on both quotes. [3] [4]

HUB serves private, public and nonprofit organizations with listed perils such as vendor theft; Relm is more relevant if you hold digital assets or face smart-contract attacks such as flash loans and oracle manipulation.

Sources consulted

  1. 01
    Commercial Insurance Guide

    California Department of Insurance · Crime · accessed 2026-09-16

  2. 02
    Social Engineering Fraud Insurance

    Chubb · Opening; coverage highlights · accessed 2026-09-16

  3. 03
    Crime Insurance Brokers

    HUB International · Fraud-loss statistics; coverage types: employee theft, vendor theft, forgery, asset misappropriation, computer fraud, funds transfer fraud; organization types: private, public, not-for-profit; Connect With a Broker · accessed 2026-09-23

  4. 04
    Crime Insurance

    Relm Insurance · What is Commercial Crime Coverage?; What Crime Risks Do Innovative Companies Face?; Who Needs Crime Coverage? · accessed 2026-09-23

  5. 05
    Crime Terms and Conditions

    The Travelers Companies, Inc. · I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15 · accessed 2026-09-16

  6. 06
    Crime Non-Financial Applications and Forms

    Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16

  7. 07
    Commercial Crime Coverage Application

    Travelers Casualty and Surety Company of America · I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3 · accessed 2026-09-16

Crime coverage

HUB International

  • role: HUB brokers commercial crime insurance rather than underwriting the coverage itself. Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. Product-page coverage list; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • eligibility: HUB says crime coverage is available for private, public and not-for-profit organizations. Product-page organization-type list; not a published underwriting appetite by size or industry.company-reportedSource ↗
  • coverage: HUB cites industry statistics that organizations lose about 5% of revenue to fraud each year, that fraud often takes about 18 months to detect, and that more than 23% of fraud cases result in losses of $1 million or more, to frame the need for crime coverage. Product-page statistics are company-cited figures, not independently verified by Spot, and are general fraud statistics rather than HUB-specific claims data.company-reportedSource ↗
  • insurer: The crime insurance page does not name an issuing insurer; HUB places crime coverage with carriers that vary by client and placement. Checked the crime insurance product page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
  • limits: Published policy limits, deductibles or premium information for HUB-placed crime coverage were not found on the product page. Checked the crime insurance product page on 2026-09-23; limits are set on the quote and declarations.not-disclosedSource ↗
  • application: HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. Product-page call to action as read 2026-09-23.company-reportedSource ↗

Relm Insurance

  • role: 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. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.company-reportedSource ↗
  • eligibility: 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. Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company.company-reportedSource ↗
  • coverage: 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. Crime page 'What is Commercial Crime Coverage?' section; the issued policy and declarations control.company-reportedSource ↗
  • coverage: 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. Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording.company-reportedSource ↗
  • insurer: The reviewed page does not name a specific issuing insurer for commercial crime placements. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.not-disclosedSource ↗
  • application: Relm sells crime insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. Crime page framing; consistent with Relm's broader broker-distribution model.company-reportedSource ↗

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