Crime Insurance
Crime insurance protects businesses against losses from theft, fraud, and employee dishonesty. Whether you operate locally or nationwide, having the right coverage ensures your company stays secure against unexpected risks.
For a full overview of coverage options, visit our Crime Insurance Coverage page.
Employee Theft Insurance
Employee theft insurance covers losses when staff steal money, property, or assets.
Protects against cash theft, inventory shrinkage, and fraudulent expense claims.
Essential for small businesses where one dishonest act can cause major damage.
Fidelity Bond Insurance
Fidelity bond insurance is a type of crime coverage that guarantees protection against employee dishonesty.
Often required for contractors and financial service providers.
Builds trust with clients by showing you’re bonded against fraud.
Business Crime Coverage
Business crime coverage extends protection beyond employee theft.
Forgery or alteration of checks.
Computer fraud and cyber theft.
Robbery or burglary of company property.
Commercial Crime Policy
A commercial crime policy is customizable to fit your business needs.
Covers both internal and external threats.
Can include protection against vendor fraud or third‑party scams.
Employee Dishonesty Policy
Employee dishonesty policies specifically insure against fraudulent acts by staff.
Examples: embezzlement, falsified invoices, payroll fraud.
Helps maintain financial stability and client confidence.
Insurance for Fraud
Insurance for fraud protects against schemes that target your business.
Covers check fraud, wire transfer fraud, and identity theft.
Critical for companies handling sensitive financial transactions.
Theft Insurance Coverage
Theft insurance coverage applies to losses from burglary, robbery, or shoplifting.
Safeguards physical assets like equipment and inventory.
Often bundled with broader crime insurance policies.
Embezzlement Insurance
Embezzlement insurance protects against long‑term schemes where employees siphon funds.
Detecting embezzlement can take years; coverage ensures recovery.
Especially important for businesses with complex financial systems.
Regional Crime Insurance Coverage
Crime insurance is essential across the U.S., with unique risks in states like Arizona, Texas, and Florida. In Arizona, coverage often focuses on contractors and construction firms where employee theft can disrupt projects.
Texas businesses, especially in trucking, oil, and construction, rely on crime insurance to safeguard payroll and assets against fraud and dishonesty.
Florida companies, particularly in hospitality and healthcare, face high exposure to theft and fraud, making employee theft insurance critical for resilience.
Together, these states highlight how crime insurance adapts to local industries while providing nationwide protection against theft, fraud, and embezzlement.