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    Dishonest employees are a major threat to the health of all businesses, particularly at times of economic uncertainty. Employee theft causes significant losses to Canadian business and, if under-insured, can even result in bankruptcy.


    • Nine broad insuring agreements:
      •  Employee dishonesty
      •  Forgery or alteration - includes forged electronic signatures
      •  On premises
      •  In transit
      •  Money orders and counterfeit paper currency fraud
      •  Computer fraud and funds transfer fraud
      •  Client property coverage
      •  Credit card coverage
      •  Expense coverage - includes audit expense coverage and data restoration expense
    • Broad definition of employee including:
      •  Part-time and seasonal employees
      •  Volunteers, students, consultants, retirees and trainees
      •  Sixty day post termination
    • Per loss language (no policy aggregate limit of liability)
    • Automatic coverage for employee benefit plans
    • Coverage for theft by unidentified employees
    • Automatic subsidiary coverage with 25% threshold
    • 60 Day notice of cancellation
    • 60 Day discovery period
    • "Unlawful taking" language
    • No general aggregate
    • Option to include sublimit for Fraudulent Instructions Coverage (aka Social Engineering Coverage)

    Key territories


    Target markets

    Technology firms

    • Technology
    • Media and business services companies
    • Manufacturers
    • Distributors and retailers

    Media and business services companies

    • Insurance companies
    • Stockbrokerage firms
    • Mutual funds companies
    • Investment management firms


    • Up to $25,000,000

    Crime/Fidelity insurance team


    Eduard Lecker

    Underwriter - Management Liability

    Eduard Lecker

    +1 416 777 6874

    Michael Zador

    Underwriter - Financial Lines, International

    Michael Zador

    +1 416 777 6887

    Crime/Fidelity insurance forms

    Application forms

    Crime Insurance Application
    Fradulent Instruction Coverage Addendum


    Crime and Fidelity Insurance
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