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Commercial crime insurance

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What commercial crime insurance offers

Crime-related losses are not typically covered by commercial property insurance. So, you may want to consider what commercial crime insurance offers:
  • Employee dishonesty coverage
  • Forgery or alteration coverage
  • Theft of money and securities coverage
  • Burglary or robbery coverage
  • Computer fraud coverage

Common commercial crime insurance endorsements

Employee theft or dishonest acts

Protects you against dishonest acts committed by your employees, including theft of money or property.

Premises theft and robbery

Protects your property inside your premises while you’re open for business. You’re even covered if you or your employees are ever robbed while doing business offsite.

Theft of money and securities

Protects you against the theft, disappearance or destruction of your money or securities inside your place of business. You and your employees are also covered when you’re offsite.

Crime prevention tips

Money
  • Make daily bank deposits, and vary your time and routes to and from the bank
  • Check daily cash register receipts against your deposits to help prevent the possibility of employee dishonesty
  • Immediately mark any checks received as “For Deposit Only”
Property 
  • Keep any rear doors locked from the outside at all times by installing panic locks. Padlocks should not be used to lock doors.
  • Keep a safe on site to store small amounts of cash, important documents or other valuable items. Change the safe’s combination periodically.
  • Consider installing security cameras throughout the property. All entranceways and cashier areas should be kept under surveillance.
Employees 
  • Conduct background checks on applicants
  • Train employees on safe opening and closing procedures
  • Train employees on what they should do in case of robbery. Make it clear they should never endanger themselves by trying to protect money, property or other valuable items.

Related topics & resources

What is commercial insurance?
What is cyber insurance?
Loss control services
Insurance valuation
More small business resources

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Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.