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<P style="font-size: 14pt" align="center"><B>UNITED STATES<BR>
SECURITIES AND
EXCHANGE COMMISSION<BR>
<FONT style="font-size: 12pt">Washington, D.C. 20549
</FONT></B>

<P style="font-size: 18pt" align="center"><B>FORM 8-K</B>

<P style="font-size: 12pt" align="center"><B>CURRENT REPORT<BR>
Pursuant to
Section 13 or 15(d) of the Securities Exchange Act of 1934</B>

<P style="font-size: 10pt" align="center"><B>Date of Report (Date of earliest
event reported): March 4, 2009</B>

<P style="font-size: 24pt" align="center"><B>CRM Holdings, Ltd.<BR>
</B><FONT style="font-size: 10pt">(Exact name of registrant as specified in its charter)
</FONT>
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  <TD style="border-bottom: #000000 1px solid"><B>Bermuda</B></TD>
  <TD>&nbsp;</TD>
  <TD style="border-bottom: #000000 1px solid"><B>001-32705</B></TD>
  <TD>&nbsp;</TD>
  <TD style="border-bottom: #000000 1px solid"><B>Not Applicable</B></TD>
 </TR>
 <TR valign="top">
  <TD>(State or other Jurisdiction of Incorporation)</TD>
  <TD>&nbsp;</TD>
  <TD>(Commission File Number)</TD>
  <TD>&nbsp;</TD>
  <TD>(IRS Employer Identification No.)</TD>
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cellpadding="0" width="100%" border="0">

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  <TD style="border-bottom: #000000 1px solid"><B>P.O. Box HM 2062, Hamilton HM
HX, Bermuda<BR>
</B></TD>
  <TD>&nbsp;</TD>
  <TD style="border-bottom: #000000 1px solid"><B>&nbsp;</B></TD>
 </TR>
 <TR valign="top">
  <TD>(Address of Principal Executive Offices)</TD>
  <TD>&nbsp;</TD>
  <TD>(Zip Code)</TD>
 </TR>

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<P style="font-size: 10pt" align="center">Registrant&#8217;s telephone number,
including area code: <B>(441) 295-6689</B>
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 </TR>
 <TR>
  <TD nowrap>(Former name or former address if changed since last report.)</TD>
 </TR>

</TABLE>


<P style="font-size: 10pt" align="left">Check the appropriate box below if the
Form 8-K filing is intended to simultaneously satisfy the filing obligation of
the registrant under any of the following provisions:

<P style="font-size: 10pt" align="left"><FONT face="Wingdings">o</FONT> Written
communications pursuant to Rule 425 under the Securities Act (17 CFR
230.425)<BR>
<BR>
<FONT face="Wingdings">o</FONT> Soliciting material pursuant
to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)<BR>
<BR>
<FONT
face="Wingdings">o</FONT> Pre-commencement communications pursuant to Rule
14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))<BR>
<BR>
<FONT
face="Wingdings">o</FONT> Pre-commencement communications pursuant to Rule
13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))<BR>


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<P style="font-size: 10pt" align="center">&nbsp;

<P style="display: none; font-size: 10pt" align="center">1
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<P style="font-size: 10pt" align="justify"><B>Item&nbsp;2.02. Financial and
Exhibits</B>

<P style="font-size: 10pt" align="justify">On March&nbsp;4, 2009, CRM Holdings,
Ltd. (the Company) issued a news release announcing financial results for the
three and twelve months ended December&nbsp;31, 2008. A copy of the news
release is attached hereto as Exhibit&nbsp;99.1 and is incorporated by
reference herein.

<P style="font-size: 10pt" align="justify">In accordance with general
instruction B.2 to Form 8-K, the information set forth in this Item&nbsp;2.02
(including Exhibit 99.1) shall be deemed &#8220;furnished&#8221; and not
&#8220;filed&#8221; with the Securities and Exchange Commission for the
purposes of Section&nbsp;18 of the Securities and Exchange Act of 1934, as
amended, and shall not be incorporated by reference into any filing under the
Securities Act of 1933, as amended.

<P style="font-size: 10pt" align="justify"><B>Item&nbsp;9.01. Financial
Statements and Exhibits.</B>

<P style="font-size: 10pt; margin-left: 4%" align="justify">(d)&nbsp;Exhibits
<DIV align="center">
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<DIV style="margin-left: 0px; text-indent: 0px">99.1 </DIV>
</TD>
  <TD>&nbsp;</TD>
  <TD valign="top" align="left">News Release of CRM Holdings, Ltd. dated
March&nbsp;4, 2009</TD>
 </TR>
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</DIV>

<P style="font-size: 10pt" align="center">&nbsp;

<P style="display: none; font-size: 10pt" align="center">2
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<P style="font-size: 10pt" align="center"><B>SIGNATURES</B>

<P style="font-size: 10pt; text-indent: 4%" align="justify">Pursuant to the
requirements of the Securities Exchange Act of 1934, the registrant has duly
caused this report to be signed on its behalf by the undersigned hereunto duly
authorized.

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<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left">CRM Holdings, Ltd.<BR>(Registrant)<BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">March 4, 2009&nbsp;</TD>
    <TD colspan="3" style="border-bottom: 1px solid #000000" align="left">/s/ <FONT style="font-variant: SMALL-CAPS">James J. Scardino</FONT>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD colspan="3" align="left">James J. Scardino&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD colspan="3" align="left">Chief Financial Officer&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
</TABLE>

<P style="font-size: 10pt" align="center">&nbsp;

<P style="display: none; font-size: 10pt" align="center">3
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<P style="font-size: 10pt" align="center"><B>EXHIBIT INDEX</B>
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border="0">
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 <TR style="font-size: 10pt" valign="bottom">
  <TD style="border-bottom: #000000 1px solid" nowrap align="left"><B>Exhibit
No.</B></TD>
  <TD>&nbsp;</TD>
  <TD style="border-bottom: #000000 1px solid" nowrap
align="center"><B>Description</B></TD>
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  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD>
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<DIV style="margin-left: 0px; text-indent: 0px">99.1 </DIV>
</TD>
  <TD>&nbsp;</TD>
  <TD valign="top" align="left">News Release of CRM Holdings, Ltd. dated
March&nbsp;4, 2009</TD>
</TR>
<!-- End Table Body -->

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</DIV>

<P style="font-size: 10pt" align="center">&nbsp;

<P style="display: none; font-size: 10pt" align="center">4
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Form 8-K
UNITED STATES
SECURITIES AND
EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to
Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest
event reported): March 4, 2009
CRM Holdings, Ltd.
(Exact name of registrant as specified in its charter)
Bermuda
001-32705
Not Applicable
(State or other Jurisdiction of Incorporation)
(Commission File Number)
(IRS Employer Identification No.)
P.O. Box HM 2062, Hamilton HM
HX, Bermuda
(Address of Principal Executive Offices)
(Zip Code)
Registrant's telephone number,
including area code:
(441) 295-6689
(Former name or former address if changed since last report.)
Check the appropriate box below if the
Form 8-K filing is intended to simultaneously satisfy the filing obligation of
the registrant under any of the following provisions:
o
Written
communications pursuant to Rule 425 under the Securities Act (17 CFR
230.425)
o
Soliciting material pursuant
to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o
Pre-commencement communications pursuant to Rule
14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o
Pre-commencement communications pursuant to Rule
13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Item 2.02. Financial and
Exhibits
On March 4, 2009, CRM Holdings,
Ltd. (the Company) issued a news release announcing financial results for the
three and twelve months ended December 31, 2008. A copy of the news
release is attached hereto as Exhibit 99.1 and is incorporated by
reference herein.
In accordance with general
instruction B.2 to Form 8-K, the information set forth in this Item 2.02
(including Exhibit 99.1) shall be deemed "furnished" and not
"filed" with the Securities and Exchange Commission for the
purposes of Section 18 of the Securities and Exchange Act of 1934, as
amended, and shall not be incorporated by reference into any filing under the
Securities Act of 1933, as amended.
Item 9.01. Financial
Statements and Exhibits.
(d) Exhibits
99.1
News Release of CRM Holdings, Ltd. dated
March 4, 2009
SIGNATURES
Pursuant to the
requirements of the Securities Exchange Act of 1934, the registrant has duly
caused this report to be signed on its behalf by the undersigned hereunto duly
authorized.
CRM Holdings, Ltd.
(Registrant)
March 4, 2009
/s/
James J. Scardino
James J. Scardino
Chief Financial Officer
EXHIBIT INDEX
Exhibit
No.
Description
99.1
News Release of CRM Holdings, Ltd. dated
March 4, 2009