The loss comes from inside
Crime coverage responds to theft, forgery and fraud committed against the business — frequently by someone with legitimate access to its money.
Crime
Employee theft, a forged check, a wire sent on someone’s convincing say-so.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. Commercial crime insurance, also called fidelity, pays the direct financial loss a business suffers from theft, forgery or fraud, most often by an employee, including social engineering: the convincing e-mail or call that redirects a payment. Package policies carry little of it. Cennairus places it as its own policy: send a few fields and we shop it.
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Crime coverage responds to theft, forgery and fraud committed against the business — frequently by someone with legitimate access to its money.
A wire sent because someone impersonated a vendor or an executive is a distinct coverage — often excluded elsewhere and worth confirming is actually included here.
Limits are matched to payroll, cash handling and the size of the transfers a business actually processes — not a flat number.
Crime is quoted alongside D&O and EPLI far more often than it is bought alone.
Crime rarely stands alone — it moves with management liability in a single submission.
The fraudulent-instruction exposure that most package policies quietly exclude.
Limits matched to the actual cash and payroll flowing through the business.
Who buys it: any business that handles cash, checks or wire transfers; non-profits and associations managing member or donor funds; property managers and hoas handling resident funds; professional service firms with client trust accounts; retail and restaurant operations with daily cash handling; any company processing vendor payments by wire or ach.
The transfer that looked routine, the invoice with new instructions, the employee who’d been trusted for years — the loss is usually obvious only afterward.
They are closely related terms for the same family of coverage.
Some BOP and package policies include a small amount of crime coverage, often just employee dishonesty at a modest limit.
The two lines are both management liability coverages and often respond to the same underlying event from different angles — carriers that write one tend to write the other, and pricing them together is typically.
Revenue, number of employees, how funds are handled internally, and any prior loss history.
One appointment puts the whole panel behind your agency: every line we place, the programs, the producers who work the hard accounts, and your commission settled to your.
