A crime policy is a menu, not a single coverage. The common agreements are employee theft, forgery or alteration of your instruments, and theft of money and securities inside the premises. Then the same outside the premises or in transit, computer fraud, funds transfer fraud, and money orders and counterfeit currency. Social engineering, meaning a payment you were deceived into authorising, is usually its own agreement with a lower sublimit. Each carries its own limit and deductible, and an agreement you did not buy simply is not there.
Related FAQs
Often yes, because smaller teams may have fewer checks on who handles money.
Not always. It often requires a specific insuring agreement, which we can help you review.
There is overlap, but crime and cyber address different things. Many businesses carry both. We can explain how they may work together.
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