Employee theft and external crime threaten businesses of all sizes. Fidelity and crime insurance protects Eastern North Carolina businesses against financial losses from employee dishonesty, forgery, theft, robbery, and computer fraud.
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Crime exposures extend beyond obvious theft. Understanding coverage options helps protect your business from diverse criminal threats:
Covers losses from employee theft, embezzlement, and fraud. Protects against trusted employees who steal money, inventory, equipment, or other business assets.
Covers losses from forged or altered checks, drafts, and other written instruments. Protects against criminals who forge your signature or alter payment amounts.
Covers losses from unauthorized computer access that transfers funds or property. Addresses digital theft methods including hacking and unauthorized wire transfers.
Covers losses when fraudulent instructions cause your bank to transfer funds to criminals. Addresses social engineering attacks targeting accounts payable functions.
Covers theft of cash, currency, and negotiable instruments from your premises or during transit. Protects against robbery, burglary, and mysterious disappearance.
Covers losses your business suffers from crimes committed by people other than employees, including customer theft and criminal damage to property.
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Crime risks vary by business type and location. Understanding your specific exposures helps ensure proper coverage:
Retail stores, restaurants, and service businesses handling significant cash face elevated robbery and employee theft risks. Coverage limits should reflect actual cash exposure.
Tourism-dependent businesses with seasonal staffing may face increased employee theft risk from temporary workers. Coverage should address heightened exposure during peak seasons.
Businesses with access to client funds—like real estate escrow, legal trust accounts, and financial services—need coverage addressing fiduciary theft exposures.
Equipment theft and material pilferage create crime exposure for contractors. Coverage should address job site theft and employee theft of valuable tools and materials.
We evaluate your business operations, cash handling, employee access, and financial controls to identify crime exposures and recommend appropriate coverage limits.
Crime coverage comes in various forms—from basic employee dishonesty to comprehensive crime policies. We help you select coverage that addresses your specific risk profile.
Businesses with retirement plans must bond employees handling plan funds. We ensure ERISA bonding requirements are met as part of your overall crime coverage program.
Crime losses require proper documentation and often law enforcement involvement. We guide you through reporting requirements and claim documentation procedures.
Good internal controls reduce crime risk and can lower premiums. We help you evaluate controls and implement practices that prevent losses before they occur.
Computer crimes may be covered under crime or cyber policies. We coordinate coverages to eliminate gaps and avoid duplicate coverage for overlapping risks.
Crime losses can devastate businesses financially and emotionally. Proper coverage provides protection and peace of mind. Our commercial specialists help you understand your options. Call us at (252) 637-4173