Commercial Insurance · Windsor-Essex
Crime & Fidelity Insurance
Crime & Fidelity Insurance can address specified first-party losses involving employee dishonesty, theft, forgery, fraud, money and securities, or related crime events — depending on the policy form and the insuring agreements you purchase. It is not a surety bond, not cyber insurance for privacy or ransomware response, and not a substitute for ordinary commercial property coverage on stock and buildings. Many commercial property forms exclude or restrict theft by employees; business crime coverage may address specified employee dishonesty losses subject to the crime policy’s insuring agreement, definitions, conditions, limits, exclusions, and proof requirements. Computer fraud and social-engineering / fraudulent-instruction losses are not necessarily treated the same way — many forms require separate or specific wording, endorsements, limits, or sublimits for voluntary payment schemes. Premium Insurance Brokers can help Windsor–Essex businesses compare crime agreements against cash handling, payroll, client funds, and payment controls.
For Windsor–Essex businesses handling cash, payroll, client funds, retail inventory, or payment instructions — reviewed through an independent broker who can compare crime insuring agreements, controls expectations, and how crime coordinates with cyber and surety requirements.
What's covered
Commercial crime and fidelity forms typically schedule separate insuring agreements — employee dishonesty, forgery or alteration, theft of money and securities, and computer fraud — each with its own definitions, limits, and exclusions. What responds depends on the agreement purchased and the facts of the loss.
Many property forms exclude or restrict insider theft: Many commercial property forms exclude or restrict theft by employees. Business crime coverage may address specified employee dishonesty losses subject to the crime policy’s insuring agreement, definitions, conditions, limits, exclusions, and proof requirements. Inventory shortage alone often does not prove a covered employee-dishonesty loss without other evidence — follow policy proof requirements. Not every worker qualifies as an “employee” under the form.
Many property forms exclude or restrict insider theft
Many commercial property forms exclude or restrict theft by employees. Business crime coverage may address specified employee dishonesty losses subject to the crime policy’s insuring agreement, definitions, conditions, limits, exclusions, and proof requirements. Inventory shortage alone often does not prove a covered employee-dishonesty loss without other evidence — follow policy proof requirements. Not every worker qualifies as an “employee” under the form.
Practical considerations
The Premium difference
Why a broker?
One relationship. Multiple markets. Coverage explained in plain language.
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Your operation
Your industry, locations, and how the business actually runs day to day.
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Multiple insurance markets
Independent access to commercial carriers — options compared side by side.
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Premium broker
Windsor-Essex guidance that translates policy wording into decisions.
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Right-fit coverage
Protection aligned to your operations — not generic off-the-shelf limits.
A lot to protect? Good thing we have options.
One policy is rarely the whole picture. Explore other commercial coverage from Premium.
Crime & fidelity FAQ
Straight answers to common questions.
No. Employee dishonesty or employee theft agreements may help address certain direct losses caused by a person who meets the policy’s employee definition — subject to proof requirements, exclusions, limits, and deductibles. Inventory shortage alone often does not prove a covered loss without other evidence. Owners, partners, contractors, and some temporary workers may fall outside the employee definition.
Ready when you are
Handle cash, payroll, or payment instructions?
Describe your controls, who handles money, and whether client funds are involved — we will compare crime and fidelity options against cyber and bonding needs.