5 Cities Insurance
Commercial Crime Insurance for California Businesses
Commercial crime insurance covers losses from employee dishonesty, theft of money or securities, forgery, and certain financial crimes. General liability and property policies often limit these losses, so businesses that handle cash, payments, or entrusted funds frequently add crime coverage.
Coverage line pending confirmation
This coverage line is shown for educational purposes. The agency is confirming its availability and authority before it is published as an offered line. Request a quote or ask a question and we will confirm what applies to your business.
Who may need this coverage
- Businesses that handle cash or customer payments
- Companies with employees handling funds or sensitive assets
- Nonprofits and organizations managing donations or grants
What it may cover
Coverage depends on policy wording, exclusions, limits, and underwriting. The following are commonly addressed, subject to the policy terms:
- Employee theft or dishonesty
- Loss of money and securities
- Forgery and computer fraud, where endorsed
- Theft by third parties in some forms
Common exclusions and limitations
- Trading losses and inventory shortages without proof of theft
- Losses from voluntary parting with property
- Indirect and consequential losses
Relevant optional endorsements
- Computer and funds-transfer fraud
- Client funds coverage
- Third-party theft
Factors that may affect pricing
- Number of employees handling funds
- Cash and payment volume
- Internal controls
- Selected limits and deductible
Information typically needed to request a quote
- Number of employees and roles with fund access
- Cash and payment handling overview
- Internal controls
- Desired limits
A realistic example
Situation: An employee diverted customer payments over several months before discovery.
How coverage may respond: Crime coverage can address the discovered dishonesty loss, subject to the policy terms and limit.
FAQ
Crime Insurance questions
Explore Crime Insurance for your business
Request a quote with this coverage preselected, or ask a coverage question.