Newfront vs Relm: Commercial Crime Insurance

What Are the Key Differences Between Newfront and Relm Insurance Crime Insurance?

Relm names flash-loan attacks and oracle manipulation as underwriting considerations, while Newfront’s Executive Risk page only groups crime with fidelity. If funds sit in digital assets or smart contracts, ask Relm which specific product applies. [4] [3]

Executive Risk Placement Versus Relm Product Line

Newfront brokers crime as part of Executive Risk, listing fidelity and crime together as one Key Coverages entry, and negotiates placement rather than underwriting. 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. Neither reviewed page names a specific issuing insurer. [3] [4]

Undifferentiated Label Versus Named Traditional and Digital Perils

Newfront’s Executive Risk page does not separately describe crime-specific insuring agreements such as employee theft, computer fraud or funds-transfer fraud. Relm’s commercial crime coverage addresses embezzlement, forgery and funds-transfer fraud, alongside crime risks tied to digital infrastructure and alternative asset models. Relm says its crime underwriting considers flash-loan attacks that drain DeFi protocol liquidity and oracle manipulation. [3] [4]

Who Each Names as a Buyer

Newfront says Executive Risk services private companies from seed round through every series of funding and describes work with over 500 publicly traded companies, without a crime-specific eligibility threshold. Relm says crime coverage is relevant for any business that holds assets, whether fiat or digital. [3] [4]

What Should You Confirm in Newfront and Relm Insurance Crime Insurance Quotes?

Ask whether you are buying Relm Commercial Crime through a broker or a Newfront Executive Risk fidelity and crime placement. [4] [3]
If you hold digital assets, ask Relm which of its three crime products applies. [4]
Ask Newfront which agreements sit under Fidelity and Crime. [3]
Get the writing company on both quotes. [3] [4]

Crime coverage

Newfront

role: Newfront brokers crime coverage as part of its Executive Risk practice, which it groups with fidelity coverage under one Key Coverages entry. It negotiates placement rather than underwriting the risk. Executive Risk offering page; crime and fidelity are listed together, not as separately described products.company-reportedSource ↗
insurer: The reviewed Executive Risk page does not name the insurer or insurers that would issue a crime policy placed through Newfront. Executive Risk page as read on 2026-09-23; carrier depends on the specific placement.not-disclosedSource ↗
eligibility: Newfront says its Executive Risk practice services private companies from seed round through every series of funding, and describes work with over 500 publicly traded companies, without a crime-specific eligibility threshold. Here for the Long Run section; figures describe the executive-risk practice broadly, not crime coverage specifically.company-reportedSource ↗
coverage: Newfront lists "Fidelity and Crime" among the Key Coverages of its Executive Risk program. The page does not separately describe crime-specific insuring agreements such as employee theft, computer fraud or funds-transfer fraud. Executive Risk page Key Coverages list; crime and fidelity are bundled in one line item.company-reportedSource ↗
limits: Newfront's Executive Risk page does not publish limits or retentions for crime coverage. Executive Risk page as read on 2026-09-23.not-disclosedSource ↗
services: Newfront says clients get 24/7 access to their insurance program, including policies, certificates of insurance and billing, through its connected dashboard, and that renewal submissions use pre-populated historical data. Industry-Leading Technology section; described across Executive Risk lines, not crime-specific.company-reportedSource ↗
application: You start a crime coverage placement by requesting a consultation through Newfront's Executive Risk page. Executive Risk page call-to-action; no online quoting or binding described.company-reportedSource ↗
claims: Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to a crime claim. The Newfront Difference section; described across Executive Risk lines, not a crime-specific claims workflow.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 ↗

Newfront reaches private companies from seed stage and more than 500 public companies, with account services but no crime-specific wording; Relm is more relevant when digital assets or smart-contract attacks are a concern.

Sources consulted

01
Commercial Insurance Guide
California Department of Insurance · Crime · accessed 2026-09-16
02
Social Engineering Fraud Insurance
Chubb · Opening; coverage highlights · accessed 2026-09-16
03
Executive Risk
Newfront · Key Coverages to Protect Your Business: Fidelity and Crime; Here for the Long Run: Private Companies and Public statistics; Industry-Leading Technology · accessed 2026-09-23
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
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
06
Crime Non-Financial Applications and Forms
Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16
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