Crime Insurance

The size and nature of operations make for varying recommendations for protection against the widely prevalent threat of property and financial loss from criminal activity, inside and outside the premises. There is a choice of coverage plans, the broadest involving combinations of coverage forms that have long been identified as blanket or comprehensive crime insurance. Needed protection is arranged by the use of the specific crime coverage forms as are appropriate for the insured's exposure.

Coverage forms available on a crime policy can include:

• Employee dishonesty
• Forgery or alteration
• Theft, disappearance, destruction
• Robbery and safe burglary
• Premises burglary
• Computer fraud
• Extortion
• Premises theft and robbery outside
• Lessees of safe deposit boxes
• Securities deposited with others
• Robbery and safe burglary, money and securities

It is important to recognize that dishonest or criminal acts committed by you or any partner whether acting alone or in collusion; seizure or destruction of property by order of government authority; indirect loss resulting from any covered act; business income "type" losses; legal liability for damage for property of others for consequential loss but coverage for direct damage; cost to establish the existence or amount of loss; expenses related to any legal action; nuclear; war are not covered.

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