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Why do I need commercial crime insurance?
As a small business owner and employer you want to make sure your business is protected against any dishonest acts of your employees including damage to your property, fraud or theft of a client’s property.
What is covered?
- Employee dishonesty
- Computer and funds transfer fraud
- Forgery or alteration
- Money and securities
- Theft of client's property
What is not covered?
- Your actions or those of your partners
- Your liabilities due to crime related losses
- Your accounting errors
- Specific occupations
Crime package insurance upgrade does cover:
Our commercial crime insurance package provides up to $10,000 in coverage for damages (per occurrence) caused by dishonest acts of your employees. These losses include damage to business personal property and the theft of money and securities.
Our crime package provides up to $25,000 in crime insurance coverage for the loss of money, securities or other property relating to the use of a computer to fraudulently transfer those items out of your possession.
Our standard business owners insurance crime policy coverage includes up to $2,500 in coverage for losses that result from the forgery or alteration of a check or similar financial instrument. However, in purchasing this upgrade, we increase this limit to $10,000.
Our crime insurance package provides coverage for the loss of money and securities that are used in your business at your premises, your home or bank, including their theft or disappearance. This coverage is limited to $10,000 at your business premises or bank and up to $5,000 at your home.
Our commercial crime insurance package provides $5,000 of coverage in the event one of your employees steals your client’s money, securities or other property at their premises. This coverage is not available in all states.
Crime package insurance upgrade does not cover:
We want you to feel confident you understand your commercial crime insurance. That is why we believe in being open about what we do and don’t cover. The following is a list of what we don’t cover:
We won’t cover dishonest or criminal acts committed by you or your partners, or acts committed by your employees with the aid of one of your partners.
We only cover your losses due to the described events. The policy does not provide coverage for any liability you may have to a third party due to such losses.
Hiscox will not cover losses that are due to your accounting errors.
Our commercial crime package is not available for attorneys, claims adjusters or those in the financial industry.
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Great and helpful customer service! Quick, easy and affordable to put my business insurance in place.
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“Easy and convenient”
My agent was very friendly and made sure I knew everything about my policy.
Scott, Spokane, WA
“Excellent professional service”
Excellent professional service
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“Great customer service is what you will find with Hiscox”
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This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.