Crime / Fidelity

Covers losses from employee theft, forgery, fraud, and funds-transfer schemes. The “someone on the inside” coverage.

Crime and fidelity coverage protects a business against financial losses from theft, fraud, and dishonesty — most often by its own employees.

It covers things a property policy won’t: employee theft of money or inventory, forgery, funds-transfer fraud, and social-engineering schemes where someone is tricked into wiring money. Employee dishonesty is the classic core — the trusted bookkeeper who’s been skimming for years.

Every business with employees, cash, or the ability to move money has this exposure, and it tends to be discovered late and add up quietly. Coverage is relatively affordable for the protection it provides.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.