COVERAGE / FINANCIAL + MANAGEMENT / COMMERCIAL CRIME

FINANCIAL + MANAGEMENT

Coverage for theft from the inside and outside.

Employee theft, forgery, computer fraud, and funds-transfer schemes that other policies exclude.

Quote commercial crime Do I need this?

EMPLOYEE THEFT: Covered
FUNDS TRANSFER: Fraud included
CLIENTS: Third-party option
LIMITS: $250K–$5M

WHAT'S COVERED

01Employee theft. Money or property stolen by staff.
02Forgery. Altered checks and documents.
03Computer fraud. Unauthorized system access to move funds.
04Funds-transfer fraud. Fraudulent bank instructions.

COMMON QUESTIONS

Isn't this what cyber covers?: They overlap on fraud; crime covers employee theft that cyber doesn't.
Do we need an ERISA bond?: Yes, if you sponsor a 401(k). We issue those too.
Can I bundle this with other coverage?: Yes. One application covers every line we quote, with one renewal calendar and one advisory team.
Does Worklio payroll help?: If you run payroll on Worklio HCM, we pre-fill company details, headcount, and payroll data. We also work with any other payroll provider.

WHAT AFFECTS YOUR PRICE

01Employees handling funds
02Dual control on payments
03Audit and reconciliation practices
04Limit requested

HOW WE QUOTE IT

APPLICATION

ACORD 125 + carrier supplement

WHAT TO HAVE READY

Financial controls description
Number of employees handling money

On Worklio HCM? Payroll and headcount data are pre-filled.

WHO USUALLY CARRIES IT

$35+ Billion
PAYROLL AND TAXES PAID
23+ Million
ACH TRANSACTIONS
4.3+ Million
W-2S / 1099S PROCESSED
2.8+ Million
EMPLOYEES PAID

TRUSTED BY PARTNERS INCLUDING

OFTEN PAIRED WITH

FINANCIAL + MANAGEMENTCyber liabilityBreach response, ransomware, and data liability FINANCIAL + MANAGEMENTSurety bondsLicense, contract, and fidelity bonds issued fast FINANCIAL + MANAGEMENTDirectors + officersProtects leadership from management decision claims

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