Do not allow a single act of dishonesty to jeopardize your company’s future. Safeguard your financial operations with insurance that detects and covers what others miss
Insurance / Financial Lines
Commercial Crime
Crime Insurance protects your business against financial losses resulting from criminal acts, whether committed by employees (internal crime) or third parties (external crime). This policy covers fraud, theft, forgery, embezzlement, financial hacking, and other critical risks that can erode your capital.
At NRGI Broker, we design policies tailored to each business sector, operational size, and exposure level, providing comprehensive protection against hidden financial risks.
What Does Crime Insurance Cover?
- Employee Dishonesty: Protection against theft, fraud, or breach of trust by employees.
- Forgery and Alteration: Coverage for forged checks, wire transfers, or official documents.
- Third-Party Collusion: Crimes committed by external parties in complicity with internal staff.
- Computer & Funds Transfer Fraud: Coverage for unauthorized electronic transfers or financial hacking.
- Asset Manipulation: Protection against manipulation of accounts, payroll, assets, or inventory.
- Financial Reimbursement: Recovery of proven financial losses.
- Operational Scope: Coverage applies to branches, offices, points of sale, and assets in transit.
Who Needs This Insurance?
- Asset-Intensive Businesses: Companies of any size with personnel handling cash, assets, or sensitive information.
- Financial & Fintech Sectors: Banks, insurers, leasing firms, and fintech companies.
- Retail & Commerce: Businesses with cash registers, points of sale, or inventory management.
- Professional Services: Accounting, notary, logistics, or HR firms.
- High-Exposure Organizations: Entities with a history of incidents or those seeking to mitigate internal fraud risks.
Is Theft or Fraud Caused by Employee Negligence Covered?
- Scope of Coverage: Employer or employee negligence typically does not void coverage, provided there is no direct intent or collusion.
- Conditions: If negligence is gross, ongoing, or if minimum internal controls required by the policy are not met, the insurer may reduce or deny the claim.
- Intentionality: Coverage is generally limited to intentional and dishonest acts; it does not cover pure errors or unintentional oversights.
Why Secure Your Crime Insurance with NRGI Broker?
At NRGI Broker, we understand that the most dangerous risks are often the ones you cannot see. We help protect your company from internal and external losses with policies adapted to your operations and control systems.
Benefits of Working With Us:
- Vulnerability Assessment: Internal risk evaluation and operational gap analysis.
- Specialized Markets: Access to leading insurers specializing in fidelity and financial crimes.
- Customization: Coverage tailored to business activity, volume, and headcount.
- Claims Advocacy: Streamlined processing and expert advisory for complex claims.
- Governance Support: Strengthening internal controls and regulatory compliance.
