Who needs Crime / Fidelity?
What's covered
Loss of money, securities, or property stolen by an employee, including long-running embezzlement.
Losses from forged or altered checks and other financial instruments drawn on your accounts.
Fraudulent electronic instructions that move money out of your bank accounts without authorization.
Theft of money or property through unauthorized access to your computer systems.
Losses from being tricked into sending funds to a fraudster posing as a vendor or executive, often offered as an add-on.
What's not covered
Examples by industry
A front-desk employee skims cash from your salon over months; crime coverage reimburses the stolen funds.
A manager embezzles from your restaurant's deposits; crime insurance covers the employee-theft loss.
An employee with client keys steals from a job site; crime coverage responds to the theft.
A bookkeeper diverts client funds to a personal account; crime insurance reimburses the loss.
An employee manipulates refunds to pocket cash; crime coverage covers the dishonesty loss.
A scammer poses as a vendor and an employee wires payment to a fake account; crime coverage reimburses the funds.
An employee fraudulently transfers company funds; crime insurance covers the funds-transfer loss.
A crew member steals materials and equipment for resale; crime coverage responds to the employee theft.
A contractor forges checks on your studio account; crime insurance covers the forgery loss.
A staffer diverts earnest-money deposits; crime coverage reimburses the stolen client funds.
Part of the Knack guide
Learn Crime / Fidelity alongside every other coverage in our full guide.
Open in the full guideNeed help deciding?
Upload your current policy and our AI will analyze your coverage gaps.
Analyze my coverage