Commercial Crime Insurance
Protect your business from employee theft, forgery and fraud your other policies leave out. We shop carriers for crime coverage.
We shop the market for you, no broker fees
Built for businesses that handle money
- Businesses that handle cash or process payments
- Companies whose staff can access accounts
- Property managers holding client funds
- Firms a contract requires crime coverage from
What changes your premium
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
- Your class of business and what you actually do day to day
- Annual revenue, and payroll where the line rates on it
- How many people work for you, including subcontractors
- Where you operate, down to the ZIP and the building
- The limits and deductible you choose
- Your claims history over the last three to five years
How it works
One short form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Quote and bind
We pick the best policy and get you covered.
What this policy can cover
Employee dishonesty
Theft of money, securities, or property by your own employees, the core reason most businesses buy the coverage.
Forgery and alteration
Losses from forged or altered checks and similar financial instruments.
Theft of money and securities
Loss of cash and securities inside your premises or in transit and at the bank.
Funds transfer and computer fraud
Fraudulent electronic transfers and certain computer fraud, where the policy includes those grants.
Questions we get asked
What is commercial crime insurance?
It protects a business against financial loss from crime, most often theft by its own employees, along with forgery, robbery, and certain fraud. Standard property and liability policies largely exclude these losses, which is why crime coverage exists as its own policy.
What does commercial crime insurance cover?
Common insuring agreements include employee dishonesty, forgery or alteration, theft of money and securities on and off premises, funds transfer fraud, and computer fraud. You select which grants and limits apply, so the policy is built around your actual exposures.
Does commercial crime insurance cover employee theft?
Yes, employee theft, often called employee dishonesty, is the central coverage. It responds when a worker steals money, securities, or property from the business. Because internal theft is common and hard to detect, this is the reason most businesses buy the policy.
What is the difference between commercial crime insurance and a fidelity bond?
A fidelity bond and the employee dishonesty section of a crime policy both cover theft by employees, and the terms overlap. Commercial crime is broader, adding forgery, robbery, and fraud beyond just employee theft. Many businesses now buy a crime policy rather than a standalone fidelity bond.
Does my business need commercial crime insurance?
If you handle cash, process payments, manage client funds, or have employees with access to money or accounts, the exposure is real. Businesses that hold others' money, like property managers, often face contractual or regulatory requirements to carry it. We size it to how funds move through your business.
How much does commercial crime insurance cost?
Cost reflects your revenue, number of employees, the controls you have over cash and accounts, the limits you choose, and your loss history. Stronger internal controls generally lower the premium. We quote it against your actual operations rather than a flat rate.
Does this policy cover losses you cannot document?
Inventory shortages alone, without proof of theft, are typically excluded.
Does this policy cover owner or partner dishonesty?
Theft by an owner or partner is generally excluded from a commercial crime policy.
Does this policy cover data breach and cyber liability?
Third-party breach costs need cyber coverage, though some overlap exists on funds transfer fraud.
Does this policy cover damage to property from a covered peril?
Fire, water, and similar physical losses belong on a property policy.
Start your quote online.
Fill in one short form or call us. No broker fees.