Commercial Crime Insurance

The losses that come from inside — and the frauds that come from anywhere.

Crime coverage handles the losses your property policy doesn't: employee theft discovered after years, forged cheques, funds-transfer fraud, and increasingly the social-engineering scams that talk staff into wiring money to criminals.

We arrange crime coverage for businesses that handle money, inventory, or client funds — with social engineering explicitly included, not assumed.

What's covered

Employee dishonesty and theft
Theft of money and securities, on premises and in transit
Forgery and cheque fraud
Computer and funds-transfer fraud
Social engineering fraud (impersonation scams)
Client-property theft by your employees

Good to know

Frequently asked questions

Isn't fraud covered by my cyber policy?: Only partly — funds-transfer and social-engineering fraud sit at the seam between crime and cyber, and wordings differ by insurer. We align both policies so an impersonation scam has one clear home.
An employee stole from us over three years — covered?: That's the classic crime claim: employee dishonesty discovered late. Coverage responds subject to discovery wording; dual controls on payments are the practice insurers reward.
What is social engineering fraud coverage?: It covers losses when an employee is deceived into sending money — fake CEO emails, supplier bank-detail switches. It's usually a sub-limited add-on that must be selected; many businesses assume they have it and don't.

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Frequently asked questions

Isn't fraud covered by my cyber policy?

Only partly — funds-transfer and social-engineering fraud sit at the seam between crime and cyber, and wordings differ by insurer. We align both policies so an impersonation scam has one clear home.

An employee stole from us over three years — covered?

That's the classic crime claim: employee dishonesty discovered late. Coverage responds subject to discovery wording; dual controls on payments are the practice insurers reward.

What is social engineering fraud coverage?

It covers losses when an employee is deceived into sending money — fake CEO emails, supplier bank-detail switches. It's usually a sub-limited add-on that must be selected; many businesses assume they have it and don't.