Commercial Crime Insurance

Protect your business from losses you never see coming.

Theft, fraud, and embezzlement can happen quietly—sometimes from inside, sometimes from outside. Without the right protection, those losses can directly impact your bottom line.

With Commercial Crime Insurance, you stay financially secure and operate with greater confidence—even from risks that hide behind trust.

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The Hidden Threat to Your Business

Financial Loss Protection

Covers direct financial losses from employee dishonesty, theft, forgery, computer fraud, funds transfer fraud, and other criminal acts not covered by standard policies.

Employee & Third-Party Crime

Protects against losses caused by both employees (embezzlement, theft) and third parties (forgery, fraud, robbery) targeting your business assets.

Standard Policy Gaps

Most commercial property and general liability policies exclude or provide limited coverage for criminal acts, leaving significant protection gaps for businesses.

Types of Crime Insurance Coverage

Employee Dishonesty (Fidelity Bond)

Covers theft of money, securities, or property by employees acting alone or in collusion. This is the core coverage for embezzlement and internal theft.

Computer Fraud & Funds Transfer

Protects against losses from unauthorized computer system access, electronic funds transfers, and social engineering fraud.

Forgery of Alteration

Protects against losses from forged or altered checks, drafts, or other financial instruments drawn on your business accounts.

Kidnap/Ransom & Extortion

Covers ransom payments and related expenses if an employee is kidnapped or if someone threatens to harm your business unless paid.

Theft of Money & Securities

Covers theft, disappearance, or destruction of money and securities both on and off premises, including during transit.

Counterfeit Currency

Protects against losses from accepting counterfeit money or counterfeit goods in business transactions.

Businesses at Higher Risk for Crime Losses

Financial Institutions

Covers theft of money, securities, or property by employees acting alone or in collusion. This is the core coverage for embezzlement and internal theft.

Non-Profit Organizations

Often have less robust internal controls, volunteer staff, and public trust that can be exploited.

Retail & Hospitality

Businesses with significant cash handling, inventory theft exposure, and high employee turnover rates.

Professional Services

Law firms, accounting practices, and consultants handling client funds and sensitive information.

Healthcare & Medical Practices

Access to controlled substances, patient billing systems, and valuable medical equipment.

Family-Owned Businesses

Often have less formal controls and greater trust in long-term employees, increasing fraud vulnerability.

Coverage Details & Considerations

Discovery Period

Crime policies typically cover losses discovered during the policy period, regardless of when the actual crime occurred (subject to retroactive date).

Third-Party Coverage

Can extend to cover theft by non-employees, including customers, vendors, or visitors to your premises.

Loss Settlement

Typically pays the actual financial loss suffered, not replacement cost. Some policies may include business interruption coverage for related losses.

Crime Prevention & Risk Management

Internal Controls

Implement segregation of duties, dual authorization for payments, regular account reconciliations, and surprise audits.

Employee Screening

Conduct thorough background checks, verify employment history, and implement ongoing monitoring of employees in sensitive positions.

Cybersecurity Measures

Implement firewalls, encryption, multi-factor authentication, employee training on phishing, and regular security audits.

Financial Monitoring

Regular review of financial statements, bank reconciliations, expense reports, and unusual transaction patterns.

Protect Your Business from Financial Crime

Don’t leave your business exposed to theft, fraud, and employee dishonesty—some of the most common and costly risks not covered by standard policies. Get a customized crime insurance quote today.

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