Commercial Crime & Employee Dishonesty 

Commercial Crime Insurance (also known as Employee Dishonesty Insurance) typically provides coverage for such events as: employee dishonesty, forgery, theft of property, computer, money or securities fraud, and robbery or burglary. 

According to a recent report, employee theft costs US companies 50 billion dollars annually. The hardest hit is usually small to mid-size organizations. Sadly, in this day and age, even nonprofits are often the subject of employee theft, robbery or burglary.

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The most common forms of employee dishonesty are:

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o Fraud

o Embezzlement

o Check fraud

o Payroll fraud

o Credit card fraud

o Computer fraud

o Property, merchandise or supplies

o Information, such as client lists or proprietary information

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Depending on your policy and policy wording, coverage can extend to a robbery, burglary, disappearance or loss of property and/or monies outside your premises as well as investigation and business interruption costs.