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Crime Insurance
Crime Insurance: consists of many different coverage parts such as Employee Dishonesty Insurance, Forgery & Alteration, Money & Securities, and Electronic Theft.
Employee Dishonesty Insurance: covers embezzlement of your funds or theft of your property by your own employees.
Forgery & Alteration: covers when an outsider steals your checks and forges your signature or when the amount on your check is raised to a higher amount.
Electronic Theft: covers when an outsider steals from your account by means of electronic contrivance. Typically, a hacker gains access to your computer and transfers funds out of your account or intercepts an incoming wire transfer.
Money & Securities: Covers theft of your money and securities by an outsider.
Third Party Fidelity Insurance: Of special importance to tech companies whose employees work at the premises of others is Third Party Fidelity Insurance coverage. This would reimburse a client under some circumstances in the event it can be proven that your employee fraudulently transferred funds or stole money, securities, or other property from such client. Many customers are requiring this coverage as a condition of doing business with a tech company.
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THE POLICY LANGUAGE REFERENCED IN THE COVERAGE DESCRIPTIONS AND THE OPINIONS IN THE COMMENTARY IS MERELY A SUMMARY FOR ILLUSTRATIVE PURPOSES ONLY AND IN NO WAY IS A STATEMENT OF COVERAGE AS ONLY THE ACTUAL POLICY ITSELF CONTAINS ALL OF THE COVERAGES, EXCLUSIONS, DEFINITIONS, AND CONDITIONS. A SPECIMEN POLICY FORM WILL BE PROVIDED FOR YOUR REVIEW UPON REQUEST.
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Sadler & Company, Inc.
3014 Devine St.
P.O. Box 5866
Columbia, SC 29250
1-800-622-7370 Toll Free
1-803-254-6311 Local
1-803-256-4017 Fax
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