Crime and employee dishonesty insurance for professional firms.
Firms that touch client funds, payments, payroll, or banking access face theft and fraud exposure from inside and out that cyber alone may not cover. Crime coverage addresses employee dishonesty and funds-transfer fraud.
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Where the exposure is
Professional firms that handle client funds, payroll, payments, or banking access, accountants, bookkeepers, fractional CFOs, admin firms, face theft and fraud risk from inside the firm and from outside attackers. Employee dishonesty and forgery are real, and so is social-engineering fraud, where a spoofed instruction moves money.
Crime and cyber together
There is overlap and a gap between crime and cyber, and where funds-transfer or social-engineering fraud is covered varies between the two. For a firm with payment authority, having both, coordinated, matters, because a loss can fall into the seam between them. We make sure the funds exposure is actually covered.
Sizing it to your access
The coverage should reflect the access the firm and its people actually have, who can move money, what controls exist, whether dual authorization is in place. We size crime coverage to your funds exposure and the contracts that sometimes require it for firms handling client money.
Common questions.
What does crime insurance cover?
Who needs crime coverage?
Isn't this covered by cyber?
Is this coverage right on your policy?
Tell us your services, clients, and the data you handle and we will check this coverage against how your firm operates. Educational, no obligation.
Protect the funds you can move.
Tell us about your funds access and controls and we will size crime coverage to it.