What does crime insurance cover?

Losses from employee theft, forgery, and funds-transfer or social-engineering fraud, for firms with access to client or company funds. It complements cyber, which may not fully cover funds-transfer fraud.

Who needs crime coverage?

Accountants, bookkeepers, fractional CFOs, and any firm with payment, payroll, or banking access. We size it to the access the firm actually has.

Isn't this covered by cyber?

Coverage for funds-transfer and social-engineering fraud varies between crime and cyber, and a loss can fall in the gap. For firms with payment authority, having both coordinated matters.

Professional Services Crime & Employee Dishonesty

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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Crime and employee dishonesty insurance covers losses from employee theft, forgery, and funds-transfer or social-engineering fraud, an exposure for accountants, bookkeepers, fractional CFOs, and any firm with access to client or company funds. It complements cyber, which may not fully cover funds-transfer fraud.

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.

Crime and employee dishonesty insurance for professional firms.

Where the exposure is

Crime and cyber together

Sizing it to your access

Common questions.

Is this coverage right on your policy?

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Fractional CFOs

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Protect the funds you can move.