Relm vs Usi: Commercial Crime Insurance

USI Insurance Services brokers crime for janitorial, staffing and repair companies and reviews existing cover in ExecuSafe; Relm Insurance lists digital asset and smart contract crime products, sold through brokers.

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

Relm is the better fit for businesses exposed to digital-asset crime, while USI names service trades such as janitorial, staffing and printing and can review existing crime coverage through ExecuSafe.

What Are the Key Differences Between Relm Insurance and USI Insurance Services Crime Insurance?

Underwriting Focus Versus Broker Catalogue

Relm’s crime offering names embezzlement, forgery and funds-transfer fraud, and it specifically addresses flash-loan and oracle attacks. That language matters if your company holds fiat or digital assets; the product is sold through brokers, with no direct online quote described. USI’s pages identify employee theft and related fraud, including standalone coverage or an ExecuSafe review, but do not specify the issuing insurer. [3] [7] [8]

Client Segments

USI’s Business Services practice lists building and maintenance, repair, janitorial, staffing and printing companies among its clients. Those named segments make USI the more concrete starting point for those service trades; Relm describes crime as relevant to businesses holding fiat or digital assets. [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 Should You Confirm in Relm Insurance and USI Insurance Services 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]

Crime coverage

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 ↗

USI Insurance Services

  • role: 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. Business Services catalogue and ExecuSafe article.company-reportedSource ↗Source ↗
  • insurer: Neither page names the insurer USI uses for crime placements. Pages as read on 2026-09-23.not-disclosedSource ↗
  • eligibility: 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. Company description of client base.company-reportedSource ↗
  • coverage: 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. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy.company-reportedSource ↗Source ↗
  • limits: Neither page publishes crime coverage limit or retention figures. Pages as read on 2026-09-23.not-disclosedSource ↗
  • services: 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. Combines the general Business Services service list with the ExecuSafe-specific review step.company-reportedSource ↗Source ↗
  • application: USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. Contact instructions on each page.company-reportedSource ↗Source ↗

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

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

  4. 04
    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

  5. 05
    Crime Non-Financial Applications and Forms

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

  6. 06
    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

  7. 07
    Business Services

    USI Insurance Services · USI advises clients...and provides solutions for...Crime... · accessed 2026-09-23

  8. 08
    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

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