Reasons for Coverage

• An organization's survival may be threatened by an uncovered crime loss.
• Private and not-for-profit organizations may not have the financial reserves that a large company has to absorb an uncovered crime loss.

•  Crime Coverage has the most frequently requested coverage enhancements built into the policy at no additional cost.
• Covers subsidiaries and premises created or acquired during the policy period.
• Automatic coverage is provided for employee benefit plans created during the policy period and required to be bonded by ERISA.
• Required minimum ERISA limts available during policy period upon request.
• Crime coverage applies worldwide.
• A "Loss Discovered" option is available for qualifying insureds.

Employee Theft includes automatic coverage for:

• Employees
• Leased Employees
• Non-compensated persons (including volunteers) working for the company
• Any person required to be bonded under ERISA

Employee Theft of Client Property

• Covers loss sustained due to theft of client's money or property by insured's employee while on client premises
• May help insureds qualify to bid on contracts

Forgery or Alteration

• Includes personal accounts of the proprietor, partners, members and officers (including theft by employees)
• Includes corporate checks and credit or debit card instruments

    Theft, Disappearance and Destruction of Money and Securities

•  Inside/outside coverage of money (cash, checks, money orders, etc.) and securities (stocks, bonds, etc.)

Robbery and Safe Burglary of Other Property 

• Inside/outside coverage of robbery of tangible property other than money and securities
• Inside coverage of safe burglary of tangible property other than money and securities

Counterfeit Money Orders and Currency

• Covers paper currency, of any country, used in the exchange for merchandise, money or services, at no additional cost (Most companies only cover currency of any country where an insured has operations.).

Computer and Funds Transfer Fraud

• Computer fraud and wire transfer communications fraud is combined into one coverage.