Crime Insurance for Businesses That Need Protection Against Internal and External Fraud.
Employee theft, forgery, computer fraud, and social engineering scams cost businesses billions every year. Saint Moore Insurance Agency helps you find commercial crime coverage — also called fidelity insurance — that protects your organization when trust breaks down.
What Is Crime Insurance?
Crime insurance, sometimes called commercial crime coverage or fidelity insurance, protects businesses from financial losses caused by dishonest acts — whether committed by employees or outside criminals. Unlike general liability or property policies, which typically exclude fraud and theft by insiders, crime insurance is specifically designed to fill that gap.
A commercial crime policy generally covers losses from employee theft, forgery or alteration of checks and documents, computer fraud, funds transfer fraud, robbery and burglary, social engineering scams, and counterfeit currency. Coverage is typically available for businesses of all sizes — from small firms with a single employee to large corporations with complex financial controls.
Crime insurance is particularly important for businesses that handle cash, process payments, manage payroll, hold client funds in trust, or operate with multiple employees who have access to financial systems. Financial institutions, professional services firms, retailers, nonprofits, and healthcare organizations are among the most common buyers — but any business with exposure to dishonest acts can benefit from this coverage.
