Commercial Crime Insurance Coverage
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Protect Your Business From Theft and Fraud
Commercial Crime insurance protects your business from financial loss caused by criminal acts — whether committed by your own employees or by outside fraudsters. Property and general liability policies specifically exclude the theft of money, employee dishonesty, and fraud, leaving a serious gap that a crime policy is built to fill.
Why You Need Commercial Crime Insurance
Property and general liability policies exclude money theft, employee dishonesty, and fraud.
Occupational fraud is one of the most common and costly risks a business faces.
Protects against both the insider threat (employees) and outside criminals.
Covers modern schemes like funds transfer fraud and social engineering.
Who Needs This Coverage
Commercial Crime coverage is essential for:
Businesses that handle cash, checks, or card payments
Companies that authorize wire transfers or electronic payments
Employers whose staff have access to funds and accounts
Firms and nonprofits that hold client or member funds
Retail, hospitality, and high-volume cash businesses
Any business with limited financial oversight or controls
What Commercial Crime Insurance Covers
A crime policy is built from several coverage sections you can tailor to how money moves through your business:
Employee Theft & Dishonesty
Loss of money, securities, or property caused by an employee acting alone or in collusion with others.
Forgery or Alteration
Loss from forged or altered checks, drafts, and similar financial instruments.
Inside the Premises
Theft, robbery, or destruction of money and securities on your business premises.
Outside the Premises
Loss of money and securities while in transit or in the care of a messenger.
Computer & Funds Transfer Fraud
Loss resulting from the fraudulent electronic transfer of your funds.
Social Engineering Fraud
Loss where an employee is deceived into sending funds to an impostor posing as a vendor or executive.
