COMMERCIAL CRIME COVERAGE

Commercial Crime coverage consists of separate insuring agreements.  Some or all of these individual coverages may be needed depending on your individual practice.  At a minimum, you should consider Employee Dishonesty, Forgery or Alteration and Computer Fraud to protect your professional practice from these types of financial losses.

Employee Dishonesty:  This coverage pays for loss sustained by the insured employer up to a specified amount, caused by the dishonest act of an employee or employees covered under the policy.  This includes such dishonest acts as the embezzlement of money or property, including inventory owned by the insured

Forgery or Alteration:  This coverage pays for loss sustained by the insured employer for forgery or alteration of checks (including blank checks) issued by the insured.  Coverage may be extended to include checks forged or altered by employees as well as others

Computer Fraud:  Covers the loss of money, securities and other property stemming from a dishonest act of a non-employee via computer access

Premises Theft and Outside Robbery:  This coverage applies to money and securities inside the premises or a banking premises or outside the premises in the care and custody of a messenger, for theft, disappearance or destruction

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