Commercial Insurance
The Threat Inside
Requires Coverage Too
Crime insurance structured around your financial controls, employee exposure, and the digital fraud risks your current policy probably doesn't cover.
Employee theft and funds transfer fraud account for billions in annual business losses. Standard policies leave these exposures unaddressed.
Our Process
Identify. Limit. Protect.
We review your existing crime coverage — or lack thereof — against your financial controls, staffing structure, and the specific fraud vectors your business faces.
Most businesses discover they have crime coverage gaps only after a loss. Our advisors map your financial workflows and employee access against available crime policy forms to build a program that actually responds.
Technology does the heavy lifting. Human judgment makes the decisions.
You receive:
- Employee exposure and access review
- Financial control gap analysis
- Digital fraud risk assessment
- No obligation to proceed
Crime Program Analysis
Program Comparison
Current Program
$5,000
Optimized Structure
$9,700
Your Crime Coverage Proposal
Review your customized crime insurance recommendations
Employee Theft
Current Coverage
$100K Limit
Annual Premium
$4,200
Proposed Coverage
$500K + ERISA
Annual Premium
$3,600
Why It Matters
Most crime losses come from inside the organization.
Employee theft, forgery, and computer fraud cost U.S. businesses over $50 billion annually — and standard property and liability policies explicitly exclude them. Crime insurance fills this critical gap.
What We Cover
Every Internal Threat, Addressed
From employee dishonesty to digital fraud — every crime exposure your business faces, properly covered.
Employee Dishonesty
Covers financial losses caused by fraudulent or dishonest acts committed by employees — including theft of money, securities, or property.
Coverage Includes
- Employee theft of money and property
- Fraudulent disbursements
- Inventory theft schemes
- Collusion with third parties
Forgery & Alteration
Covers losses resulting from the forgery or alteration of checks, drafts, promissory notes, or similar written instruments.
Coverage Includes
- Forged checks and drafts
- Altered payment instruments
- Unauthorized electronic transfers
- Counterfeit currency
Computer & Funds Transfer Fraud
Covers losses resulting from fraudulent computer instructions or fraudulent transfer instructions that direct your financial institution to transfer funds.
Coverage Includes
- Fraudulent wire transfers
- Computer manipulation fraud
- Electronic funds transfer fraud
- Social engineering / impersonation
Robbery & Burglary
Covers theft of money, securities, and other property from your premises or in transit, including robbery and safe burglary.
Coverage Includes
- On-premises robbery
- Burglary and safe theft
- Messenger and armored car
- Property while in transit
Who We Serve
Every Business Has Crime Exposure
Any organization that handles money, employs people, or processes payments is exposed to crime losses that standard policies don't cover.
Financial Services
Banks, investment firms, and accounting practices face elevated employee theft and forgery exposure requiring robust fidelity bonds.
Healthcare & Nonprofits
Organizations with treasury functions and donation processing face significant internal fraud risk often overlooked in standard coverage.
Retail & Distribution
High employee turnover and cash-handling operations create persistent inventory theft and funds transfer fraud exposure.
Your business deserves protection from threats that come from within.
No obligation. Confidential review. Built around your financial controls.