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Business coverage

Crime / Fidelity Insurance

Crime and fidelity insurance covers losses from employee theft, embezzlement, forgery, and fraud — the kind of inside jobs that standard property policies specifically exclude. Because most business theft comes from within, and a trusted bookkeeper can quietly drain accounts for years, this coverage is what recovers the money when the person you trusted turns out to be the risk.

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Who this coverage is for

Crime and fidelity insurance is for businesses that want protection against theft, fraud, and dishonesty, whether from employees or outsiders. It is especially valuable for companies that handle cash, process payments, or manage client funds.

What it can help protect

This coverage helps recover financial losses caused by criminal acts:

  • Employee dishonesty — helps cover theft or fraud committed by your own staff.
  • Forgery — helps with losses from forged or altered checks and documents.
  • Theft of money and securities — helps cover stolen cash, checks, and similar assets.
  • Computer and funds transfer fraud — helps respond to fraudulent electronic transfers.
  • Third-party crime — some policies extend coverage to losses caused to your clients.
Regularly misunderstood coverages
Crime/Fidelity vs. Cyber

Theft of money vs. a data breach.

Key choices and underwriting factors

A licensed review will usually focus on who handles money and approvals, segregation of duties, and third-party funds or trust-account exposure.

Common Questions