Secure Your Bottom Line: Your Shield Against Commercial Crime & Fraud.
At Ethika, we craft bespoke Crime Insurance policies that safeguard your business from financial loss due to employee dishonesty, fraud, and theft.
Get a Confidential Risk AssessmentThe Risk That's Already Inside Your Walls
What if your most trusted employee was your greatest financial liability? It's a risk few businesses confront until it's too late.
From sophisticated digital scams to simple internal theft, commercial crime costs businesses billions annually.
Standard property or liability insurance policies do not cover most criminal acts committed by employees or through fraudulent impersonation. This gap in your existing coverage leaves your company's most critical assets vulnerable.
Your Financial Armor: Comprehensive Crime Insurance
Think of it as a financial safety net for your cash, securities, and assets—a critical layer of defense when prevention fails.
Employee Dishonesty
Protection from theft of money, securities, or property by your own employees.
Funds Transfer Fraud
Coverage for losses when a fraudster tricks your bank into sending money from your account.
Forgery or Alteration
Protection against losses from forged checks, drafts, or similar financial instruments.
Computer & Social Engineering
Shields you from losses when criminals manipulate employees into willingly transferring funds.
Theft of Money & Securities
Covers theft both on-premises (e.g., from a safe) and off-premises (e.g., during a bank deposit).
Counterfeit Currency
Protection from accepting counterfeit money or fraudulent money orders in good faith.
Is Your Business Vulnerable?
These "what if" scenarios happen every day. A robust Corporate Crime Insurance policy is designed to respond when they do.
The Bookkeeper's Scheme
"Your tenured bookkeeper has been subtly altering invoices for years, siphoning off thousands directly into a personal account."
The Urgent Email
"Your CFO receives a meticulously crafted email, seemingly from your CEO, urgently requesting a wire transfer to a new vendor. The request is fraudulent."
The Forged Checks
"A disgruntled former employee uses stolen company checks to make fraudulent purchases, draining your operating account."
A Pillar of Corporate Governance
For directors, CFOs, and board members, protecting company assets isn't just good business—it's a core fiduciary duty. Commercial Crime Insurance is more than a policy; it's a critical component of a robust internal control framework that demonstrates a mature approach to corporate governance.
Satisfy Fiduciary Duties
Proactively safeguard capital against internal and external criminal threats.
Strengthen Internal Controls
Provide a critical financial backstop for when even the best procedures are circumvented.
Enhance Board & Investor Confidence
Signal to stakeholders that the company takes asset protection and risk management seriously.
More Than a Policy. A Partnership in Protection.
Tailored Analysis
We analyze your unique internal controls and digital workflows to identify specific vulnerabilities.
Market Access
Our relationships with leading carriers give you access to the most comprehensive coverage available.
Claims Advocacy
If the worst happens, we act as your dedicated advocate to ensure a swift and fair resolution.
Frequently Asked Questions
Isn't this covered by my Business Owner's Policy or Cyber Insurance?
Generally, no. A standard BOP excludes employee theft. Cyber Insurance covers data breaches but usually not direct financial losses from social engineering where an employee is tricked into sending money. Crime Insurance fills these dangerous gaps.
We have strong internal controls. Why do we still need crime insurance?
Strong controls are your first line of defense, but no system is infallible. Determined criminals can circumvent even the best procedures through collusion or sophisticated scams. Crime Insurance is your financial backstop when prevention fails.
How is the premium for a crime insurance policy calculated?
Premiums are based on your industry, revenues, number of employees with financial access, desired coverage limits, and the strength of your internal controls. Businesses with robust procedures often qualify for better premiums.
What should I do if I suspect employee theft or fraud?
Do not confront the individual. Immediately contact your legal counsel to ensure you proceed correctly. Then, notify your [Broker Name] advisor. We will guide you on documenting the event and initiating the claims process.
Don't Wait for a Loss to Expose a Gap.
A proactive conversation about your risk profile is the first step toward securing your company's future. Schedule a no-obligation consultation with a [Broker Name] specialist today.
Is Your Company Protected?
Take the first step. Begin your confidential risk assessment.
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