Business Insurance

Crime Insurance

Crime Insurance helps protect your business from financial losses caused by theft, dishonesty, and fraud—areas where standard property policies often leave dangerous gaps.

In today’s landscape, sophisticated social engineering and digital fraud can trigger losses just as damaging as a fire or storm—especially when funds move quickly and criminals target employees through deception.

We help you tailor a crime program that matches how money, data, and inventory flow through your business—so a single act of fraud doesn’t compromise the foundation you’ve worked hard to build.

Comprehensive Protection for Modern Risks

Commercial Crime policies are designed to be customized around the specific vulnerabilities of your industry and your internal processes. Common coverage building blocks include:

  • Employee Dishonesty:
    Coverage for theft of money, securities, or property by an employee—acting alone or in collusion.
  • Forgery or Alteration:
    Protection against losses caused by forged outgoing checks, drafts, or promissory notes.
  • Computer & Funds Transfer Fraud:
    Coverage for loss from unauthorized electronic instructions that direct a financial institution to transfer funds.
  • Social Engineering Fraud:
    Protection for “impersonation fraud,” where an employee is tricked into sending money to criminals posing as vendors or executives.
  • Money & Securities:
    Coverage for theft, disappearance, or destruction of cash and liquid assets on premises or while in transit to a bank.

Targeted Security for Growing Businesses

Crime Insurance is valuable for businesses of every size, but it’s especially important for organizations with high transaction volume, cash handling, or responsibility for client assets. We frequently structure coverage for:

  • Retail & Hospitality: Cash-heavy operations, deposits in transit, and employee theft exposures.
  • Professional Services: Wire fraud, invoice manipulation, and internal embezzlement risks.
  • Non-Profits & HOAs: Financial accountability for boards, volunteers, and employee access to funds.
  • Manufacturing & Logistics: Theft of raw materials, finished goods, and property in transit.

Coverage Built Around Your Business Integrity

Premiums and underwriting are influenced by your internal controls. We help you align your policy design with your workflows so you can reduce risk and avoid overpaying for coverage you don’t need.

  • Internal Control Credits:
    Dual-approval processes, audits, and segregation of duties can improve underwriting outcomes and reduce loss frequency.
  • Customized Deductibles:
    Finding the right balance between premium savings and practical out-of-pocket exposure if a loss occurs.
  • Supplemental Endorsements:
    Options such as clients’ property, extortion, or specialized cyber-fraud enhancements depending on your operation.

Protect what you’ve worked hard to build.

Don’t let a breach of trust or a sophisticated fraud scheme stall your progress. Contact our office today to discuss your operations and explore a Crime Insurance solution built for protection, clarity, and peace of mind.

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