Fidelity / commercial crime insurance
InsuranceFinder coverage guide · Updated September 2026
Commercial crime / fidelity insurance commonly responds to loss of money, securities, or other property from employee theft, forgery, computer fraud, funds-transfer fraud, and certain burglary or robbery exposures — when those insuring agreements are on the form. Ordinary commercial property policies often leave employee-dishonesty losses uncovered or tightly limited. What responds still depends on the crime form and the proof-of-loss rules.
Fidelity / commercial crime coverage breakdown
Crime forms are built from separate insuring agreements. Limits may be per agreement or shared.
Loss from dishonest acts of employees when that agreement is purchased — discovery vs loss-sustained wording matters.
Loss from forged checks or similar instruments when included.
Loss from fraudulent electronic instructions or computer fraud when those agreements are on the form — social-engineering may need a specific endorsement.
Theft of money and securities from the premises or safe when those agreements apply.
Who typically uses fidelity / commercial crime insurance
These policies are typically carried by employers that handle cash, inventory, client funds, or electronic payments — retailers, nonprofits, professional firms, and financial operations among them. Contracts and board policies often drive the need — the form decides.
Inventory shortage without proof, trading losses, and certain indirect consequential losses are common gap areas. Social-engineering / invoice fraud often needs explicit wording. Prior theft by a known dishonest employee can void that employee's coverage. Education only — not advice to buy.
Agencies specializing in fidelity / commercial crime insurance
Independent agencies published in our database. Open a profile for license details and state DOI links.
National carriers writing fidelity / commercial crime insurance
Admitted national insurance companies writing coverage in multiple states.