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Product Update: Commercial Crime

Published: 09/12/14

Commercial Crime is an interesting one; it’s a product that’s freely available from many of the big insurers, but we’ve found that companies still don’t know too much about it.

Press reports provide plenty of examples of how companies are scammed through fraud or a computer virus that uses malware to target on-line banking systems. In these instances the companies concerned expected that the bank would provide compensation, but for various ‘technicalities’, they didn’t – and devastating losses went into hundreds of thousands of pounds. Whilst there some instances where a cyber crime policy would step in – this cover goes far wider.

Why not talk to us about how the product is rated and we can give you a quotation for your particular business and talk more about the fantastic protection it provides.

In short Commercial Crime offers:

  • Internal Crime – protection against fraud or dishonesty by your employees
  • External Crime – protections against forgery, counterfeiting, money, securities or any other instruction on which you have acted or relied, cheque fraud, computer fraud, funds transfer fraud or corporate card fraud committed by a third party.

Cover can be extended to include:

  • Impairment of money & securities – unexplained disappearance of, or damage to, or destruction of money or securities on the premises or whilst in transit. Theft of money or securities by a third party from the premises or whilst in transit.
  • Outsource service provider crime - cover for fraud or dishonesty by an outsource service provider (or an employee of such provider) whom you have entrusted or given the means to access money, securities or insured property.
  • Theft or criminal damage of insured property – cover for a theft of insured property by a third party from the premises or whilst in transit. Cover is also provided for physical damage to insured property by an employee or third party.

Automatic Cover Extensions:

The following cover extensions are automatically included:

Expenses – e.g. cover for investigation costs, legal defence costs, mitigation costs, reinstatement of data costs and public relations consultancy fees.
Care Custody & Control of Client Loss – cover for money, securities or insured property not belonging to you or leased or hired by you, but which is in your care, or held by a client.
Corporate ID Fraud – for fees and expenses incurred to reinstate public records following fraudulent modification, alteration or theft of your identity by an employee or third party.
Discovery period – cover for up to 90 days following termination of cover should the insurer decline to offer any terms for renewal or you decide not to renew.
Acquisitions during the period of insurance – automatic cover for mid term acquisitions of subsidiary or associated companies.
Interest payable or receivable – cover for interest that would have been receivable or is payable by you as a direct result of a covered loss.
Court attendance – compensation payments of up to £500 per day for senior members and £250 for other persons required to attend court in connection with a loss.


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