Fidelity and crime
Protecting businesses against crime
It’s a situation no company wants to consider: a trusted employee embezzles money through falsified expense reports. Or an online fraudster uses social engineering and hacking techniques to steal company funds and disappear without a trace.
Regardless of the controls and processes in place, businesses are increasingly at risk for criminal schemes like these, whether they’re from inside or outside an organization. Our fidelity and crime insurance solutions provide targeted protection for these types of exposures.
A protective partnership
Solutions for complex risks
You can’t predict when a criminal might target your organization – but you can prepare for it. Our fidelity and crime insurance helps protect organizations from loss of money, securities, or inventory as a result of crime.
Across industries and entity types, from financial institutions to manufacturing, from public to private, and from government to not-for-profit, our customers appreciate our flexible solutions, including:
- Employee theft (first-party coverage, third-party crime, ERISA-employee benefit plans)
- Forgery or alternation
- Inside the premises — theft of money/securities and robbery/safe burglary of other property
- Computer fraud
- Money orders and counterfeit money
Other coverage highlights include:
- Capacity up to $30M on a primary or excess basis
- Ability to coordinate coverage with other property and casualty and management and professional liability products
- Worldwide capabilities
And every policy is backed by our financial strength and stability as a Fortune 100 company.
Expertise that delivers
There’s a wealth of experience behind every policy. Our dedicated underwriters and claims professionals collaborate to stay on top of current fidelity and crime loss trends and risk scenarios, including:
- Counterfeiting
- Employee dishonesty
- Forgery and embezzlement
- Robbery and safe burglary
- Social engineering or cyber deception
- Wire transfer fraud
This shared expertise is a hallmark of our approach, offering support and guidance that speaks to each business’ unique circumstances. From program design to claims response, count on us for proactive service that keeps your risk-management goals at the forefront.
Better control over claims
Our approach to claims management starts long before a claim is filed. Our claims professionals work closely with the underwriters who develop our insurance programs, so they have a deep understanding of our customers’ operations and the risks they face.
When you work with us, you’ll benefit from a dedicated team with in-depth experience investigating, evaluating, and resolving fidelity and crime claims.
Add ongoing training, highly experienced senior claims leaders, and a culture that promotes proactive decision making and you get professionals who are empowered to resolve claims quickly and with each customer’s best interests in mind.
Get in touch
Our commercial and specialty insurance products and services are distributed through brokers and agents. If you are interested in our solutions for your business, please contact your agent or broker. If you are an agent or broker, please reach out to our team for more information.
Related insights
This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.
Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.
