Commercial crime insurance
Published 2026-06-25 · by Brokly
In plain terms: Covers money, securities, and property your business loses to theft, fraud, or forgery — most often by an employee, but also by outsiders.
Why it matters to you
A general liability policy doesn't pay when an employee skims the till, forges checks, or wires funds to a fake vendor. The more cash, payroll, or client money you handle, the larger that exposure — and commercial crime is the coverage built for it.
Where you’ll see it
Sold on its own or added to a business owner's policy; clients who let you handle their funds sometimes require it. On a policy it can read as "employee dishonesty" or "fidelity".
Related terms
Definitions describe how policies are typically structured — exact terms live in the policy. Not legal or compliance advice.