Crime Insurance
Cover from fraud & theft
Protect your business from financial loss caused by criminal activity.
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What is Crime insurance?
Crime insurance helps protect your business against direct financial losses caused by criminal activity. This could come from employees inside your company or by people outside targeting your business. It covers what standard property or liability insurance might miss, giving you important protection against fraud, theft, embezzlement, and other sophisticated financial crimes.
You can tailor this coverage to fit your business’s specific risks. It usually includes protection for:
- Employee dishonesty or theft
- Third-party fraud
- Theft of money and securities
- Forgery or alteration of financial documents
- Computer fraud and funds transfer fraud
- Counterfeit currency
- Extortion
Crime insurance acts as a financial backstop when trust is breached or criminals exploit weaknesses. It helps your business stay protected and confident.
Why do you need it?
Criminal activity is becoming more complex, more frequent, and costing businesses more. Internal fraud can go unnoticed for a long time, and external attacks, like social engineering or digital scams, continue to evolve. Standard insurance policies rarely cover these losses, so many businesses are left at risk without knowing it.
Crime insurance matters because:
- Rising crime rates mean more businesses are being targeted.
- Coverage gaps in other policies often leave financial crime uninsured.
- Repeat attacks are common when a vulnerability is exposed.
- Peace of mind allows you to focus on running your business, not recovering from losses.
Crime insurance policies typically cover direct financial loss, like stolen money, securities, or property. It does not cover things like indirect or consequential losses such as lost profits or business interruption. Insurers also expect you to have robust internal controls and risk-management measures in place, ensuring your coverage works alongside your own operational safeguards.
With expert guidance, you get cover that matches how your business actually operates, not just how the risks appear on paper.
What does it cover?
We work with you to create each Crime policy, ensuring the protection is built around your exposures and meets both industry standards and insurer requirements. Your policy can include:
- Employee Dishonesty / Theft: losses from fraudulent or dishonest acts by employees, such as embezzlement or theft of money, securities, or property.
- Third-Party Fraud: protection against external criminal acts, including social engineering scams and impersonation fraud.
- Theft of Money and Securities: cover for stolen, lost, or destroyed money or securities on your premises or in transit.
- Forgery or Alteration: losses caused by forged or altered financial documents, such as cheques or promissory notes.
- Computer Fraud & Funds Transfer Fraud: losses arising from fraudulent data entry, system manipulation, or unauthorised fund transfers.
- Counterfeit Currency: protection for losses resulting from unknowingly accepting counterfeit money.
- Extortion: cover for threats made against your business, including certain kidnap or ransom situations.
- Investigation Costs: many policies also include costs associated with investigating a covered loss.
With Reason Global, you get protection that is proactive, precise. and shaped with good reason. We help make sure your business is supported, secure, and resilient against threats from inside and outside your organisation.
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