Crime

Crime insurance covers theft and fraud of money, securities and other property by employees or outsiders.

What it generally covers

• Employee theft
• Forgery or alteration
• Funds transfer or social engineering fraud, when added

Where gaps often hide

• Property policies generally do not cover employee dishonesty
• Limits should reflect what the business actually handles
• Fraud coverage may require you to verify payment changes in a specific way

Questions worth asking

• What must I do to verify payment changes?
• Does it include social engineering fraud?
• Does the limit match the money and property we handle?

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General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.