Coverage for certain theft, fraud, forgery, and employee dishonesty losses.
Commercial crime insurance helps protect against covered losses involving employee theft, forgery, funds transfer fraud, computer fraud, and related financial crime.
- TodayControls attestationDual-approval on wires · on file
- YesterdayCoverage reviewSocial engineering wording checked
- May 19Limit sizedMatched to cash-handling exposure
New to it, or switching a policy over?
We'll explain what it typically covers, what it leaves out, and what contracts or landlords commonly ask for — in plain English, no pressure.
Already have a policy? Upload it. We'll review the limits, exclusions, and wording, compare the market, and tell you straight whether it's worth a move — same coverage, no gap.
These are the moments it’s built for.
Crime / employee theft is a practical coverage layer for businesses with this exposure. Riza helps you understand what the policy is supposed to do, where it stops, and how it should connect to the rest of your insurance stack.
Employees handle money, payments, inventory, or accounting systems.
Your business uses electronic funds transfer or online banking.
You have multiple people with access to financial systems.
Theft or fraud would be painful even if no customer sues.
What it helps cover.
The moments this policy typically steps in for — in plain English, before the policy language.
Employee theft.
Forgery or alteration.
Funds transfer fraud when included.
Computer fraud when included.
Money and securities theft.
Coverage varies by policy form, carrier, limits, exclusions, and the facts of the claim. We review the wording with you before recommending anything.
What sits in another policy.
No policy covers everything. Here’s where this one usually stops — and what typically picks up from there.
Each line links to the coverage that usually responds. None of these are recommendations by themselves — what you need depends on the business and the contracts.
Here’s how it actually plays out.
An employee steals from company accounts.
A fraudulent payment instruction causes a loss.
Checks are forged.
Inventory disappears through internal theft.
What actually moves the price.
No number on a landing page is a real quote. These are the inputs underwriters actually look at — and what we pin down with you so the policy fits.
- Access controls.
- Banking controls and dual authorization.
- Employee count and roles.
- Cyber and fidelity bond coordination.
No instant-quote gimmicks. We get the inputs right, compare the market, and show you the tradeoffs that matter.
We read the fine print so you don’t have to.
A licensed broker — writing in plain English and staying on it after bind. Insurance that feels handled.
We start with the real-world exposure, not the policy name.
We review contracts, current policies, exclusions, limits, and operational details.
We compare carrier options and explain the tradeoffs in plain English.
We keep coverage useful after bind with certificates, endorsements, renewals, and reviews.
Questions we get a lot.
Who needs crime / employee theft?+
Businesses need it when the exposure exists in their operations or when a contract, landlord, lender, client, or regulator requires it.
What does crime / employee theft usually cover?+
Coverage depends on the policy form, carrier, limits, endorsements, exclusions, and facts of the claim. Riza reviews the details before recommending a policy.
What affects the cost of crime / employee theft?+
Pricing usually depends on the industry, size, location, limits, claims history, contract requirements, and underwriting details specific to the coverage line.
Can Riza review my current crime / employee theft policy?+
Yes. Upload your current policy or declarations page and Riza can flag gaps, confusing wording, missing endorsements, and coverage that may no longer match the business.
Let’s get you covered.
Tell us a bit about your business, see your options, and we’ll take it from there.
- 01We start with the real-world exposure, not the policy name.
- 02We review contracts, current policies, exclusions, limits, and operational details.
- 03We compare carrier options and explain the tradeoffs in plain English.
- 04We keep coverage useful after bind with certificates, endorsements, renewals, and reviews.