Crime

Our comprehensive crime insurance provides cover for both employee and third-party crime, with broad insuring agreements covering: 

• Employee dishonesty 
• Forgery and counterfeiting 
• Fund transfer fraud 
• Social engineering fraud 
• Physical loss of or damage to property 
• Extortion 
• Computer malware 
• Expense coverage - includes audit expense coverage and data restoration expense   

Coverage Highlights 

• Broad definition of employee, including part-time and seasonal employees, volunteers, students, consultants, retirees and trainees, and sixty-day post termination 
• Per loss language (no policy aggregate limit of liability)  
• Coverage for theft by unidentified employees  
• Automatic subsidiary coverage with 25% threshold  
• 60 Day notice of cancellation  
• 60 Day discovery period  
• No general aggregate  
• Option to include client property coverage