Crime insurance

Customised risk solutions to suit your organisations growing needs

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Crime insurance is never one-size-fits-all. 

Companies have wildly different exposure levels to potential criminality, with so many different factors at play. That’s why it pays to get an experienced broker to review your unique situation. Often we choose different policy elements from different suppliers, building them into a package that accurately caters for your real needs – including the all-important requirement to be highly cost-effective.

What does Crime insurance cover?

A good crime policy is more comprehensive than a traditional fidelity guarantee policy as it covers direct financial loss caused by fraud and dishonesty by; non-employees (criminal actors) and employees.

It will also cover loss perpetrated over an extended period of time but discovered during the policy period. 

Crime insurance helps with crimes related to: 

  • On-premises
  • In-transit
  • Forgery or alteration
  • Computer fraud
  • Funds transfer
  • Money orders and counterfeit currency fraud
  • Credit card fraud
  • Client property coverage

 

Scenarios where robust crime insurance is important  

  • Crimes where an employee is in collusion with a third party
  • Situations where losses have taken place over a long period of time, but only discovered during the policy period 
  • Cybercrime 
A computer hacker working on a laptop and a smartphone

Social engineering cover – many policies miss this

Social engineering is a modern crime that takes advantage of our increasing reliance on technology.

For example, a criminal actor can use deception to manipulate an employee to make a payment from your company into an offshore account. Many buyers think that "will never happen to me." But it does happen, frequently.

Many policies won’t cover social engineering, because the payment has been made legitimately - in the bank’s eyes, it’s real. We can make sure you are covered.

Let's talk about crime

Call us on +852 2877 2238 or drop us a quick message and we'll get back to you asap

Visit us at: 35/F Citicorp Centre, 18 Whitfield Road, Causeway Bay, Hong Kong

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