Crime Insurance

Covers internal, external and electronic crime

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What is Crime Insurance and
what does it cover?

A businesses money and property can be attractive targets for theft. Crime Insurance protects a business and its clients against direct losses caused by the forgery or theft of money, securities or property by an employee or third party.

Elmore Crime Insurance USP’s

Access to over USD100m
of capacity

Special investigation costs

Wide policy wordings

Aligned to cyber policies

Risks Management budget

White collar crime continues at an alarming pace

Employee dishonesty is the largest source of claims for crime insurance policies.

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Main coverage areas of Crime Insurance
resulting in financial loss:

Internal Fraud

Protection against the
dishonest acts of employees.

Forgery of Documents

Protection against electronic
computer crime.

Computer Fraud

Protection from acting upon
defined forged documents.

Theft of Property

Protection against theft of
property on premises or in
transit.

Extortion

Protection against threats to
do damage or injury to
property or persons.

Social Engineering

Protection from employees
acting upon illegitimate
communications.

Managing Fraud

As a result of fraud, companies are less financially healthy and stable than they would otherwise be. In November 2017 the UK Supreme Court declared in a landmark case a new test for dishonesty. This re-alignment of the criminal test for dishonesty is significant for both Businesses and their employees.

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Keeping your data secure

We take cyber security seriously and are one of the few in the insurance industry to certify with Cyber Essentials. Implementation of Cyber Essentials controls can significantly reduce the risk of prevalent but unskilled cyberattack.