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Crime Insurance Products

Compare 115 products offered for Crime Insurance from 53 companies including Sompo International, Allied World Managing Agency Ltd, and Advent Capital (Holdings) Ltd.

Our Insurance Comparison Tool allows you to pick the best Crime Liability policy by comparing every plan offered by Canada's leading insurance providers. The Frequently Asked Questions can help you see if this coverage area is right for you.

Compare Crime Insurance Policies

Products 11 to 20 of 115
Product name Max Coverage Min Premium Exclusions
Financial Institutions Crime by Chubb Max Coverage N/A Min Premium N/A

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Crime by Allied World Managing Agency Ltd Max Coverage GBP15M Min Premium N/A

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Crime by Zurich UK Max Coverage N/A Min Premium N/A

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Financial Institutions by CNA Hardy Max Coverage N/A Min Premium N/A
  • US cover

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Commercial Crime Protection by RSA Insurance Group plc Max Coverage N/A Min Premium N/A

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Financial Institutions - Crime by Ironshore Max Coverage N/A Min Premium N/A

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Management Liability Package by Touchstone Underwriting Ltd Max Coverage GBP2M Min Premium N/A
  • specific types of loss or damage (see specific policy wording)

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Not for Profit by CFC Underwriting Ltd Max Coverage N/A Min Premium N/A

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Management Liability (D&O) by CFC Underwriting Ltd Max Coverage N/A Min Premium N/A

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Faith and Community by Ecclesiastical Insurance Group Max Coverage GBP50K Min Premium N/A

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Frequently Asked Questions

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What Is Crime Insurance?

Also known as Commercial Crime, Employee Dishonesty or Employee Infidelity, Crime insurance covers businesses and organizations from financial losses incurred from various acts of theft, forgery, and fraudulent activities.

Additionally, Crime insurance can also provide protection in the event of a non-material loss that cannot be replaced – confidential business information, or records stored on a stolen business computer.

Who Needs Crime Insurance?

Any company that has employees handling confidential and financial information should purchase Crime insurance, especially as criminal acts from employees, vendors or third parties are not necessarily covered by a Commercial General Liability insurance policy.

While a business of any size would benefit from a Crime insurance policy, small businesses are particularly at risk as they may lack the security and resources of larger firms.

What Does Crime Insurance Cover?

Crime insurance provides cover for employee fraud, dishonesty and fraudulent acts committed by third parties.

Particular fraudulent acts covered include
  • employee theft and/or dishonesty
  • theft of clients’ property
  • vendor theft
  • forgery and/or alterations
  • money and securities
  • counterfeit currency
  • identity fraud
  • telephone toll fraud
  • social engineering
  • third party computer and funds transfer fraud
  • payments of loss investigation fees

What Is Not Included In Crime Insurance?

Unlike most other insurance policies, Crime insurance is designed to cover gaps such as intentional and illegal acts – as long as they are performed by an employee of the company in a financial capacity and not the policyholder.

In the context of Crime insurance, ‘crime’ refers to theft and forgery, rather than workplace acts of violence. Some Crime insurance packages may include things such as Kidnap and Ransom, but generally non-material losses caused by external events like war or destruction by the authorities are not included.

How Much Does Crime Insurance Cost?

A Crime insurance policy will be calculated depending on the following:
  • size of the company
  • number of employees
  • company revenue
  • security systems
  • valuable contents

A fidelity bond to cover a criminal act will be determined by how much a company can afford to lose.

We spoke to Patrick Bourk, National Practice Leader at Integro, about when it would be appropriate for a company to have a stand-alone Crime package.