01
Dishonest acts
Loss from theft or dishonest acts by employees and, where the form extends, by officers or volunteers handling the organization’s funds.
Coverage · 04
Commercial crime, written next to the rest of the program.
Dishonest acts involving organizational funds, forgery, computer fraud, and theft from the premises or in transit. Crime coverage is facilitated so it does not leave a silent gap beside liability and property.
Insuring agreements
The usual crime paper, fitted to this insured.
02
Forgery & alteration
Loss from forged or altered checks, drafts, and similar instruments drawn against the organization’s accounts.
03
Computer fraud & funds transfer
Loss from fraudulent electronic instructions and unauthorized transfers, where the form extends to those insuring agreements.
04
Premises & in-transit
Theft of money, securities, and other property from the premises or while in transit, subject to the form’s definitions and exclusions.
Fit
Crime sits next to D&O and the premises. Treat it that way.
A treasurer’s dishonest act, a forged check, or a fraudulent transfer sits in the same organization as the officers’ duties and the building on the schedule. Shield facilitates crime coverage so those neighbors do not contradict each other.
Who is an employee, what is a covered instrument, and how computer fraud is defined are manuscript choices. Read the issued form.
Notice
A crime loss is a Company matter.
Give notice promptly through this site or as the form directs. Do not wait on a discovery period you have not confirmed.