Crime and Fidelity

Crime. A word that strikes fear into the heart of all business owners. Acuity’s commercial crime coverage offers the coverage you need for your money, securities, and other property against a variety of criminal acts. When combined with an Acuity property or liability policy, you can sleep easy knowing you’re protected.


What is covered?     

Acuity’s Commercial Crime Coverage protects you against the dishonest acts of your employees and others, including theft of your property, fraud, or theft of a client’s property.  11 different types of coverage are available, including Employee Theft, Forgery or Alteration, Computer and Funds Transfer Fraud, Theft of Money and Securities, Robbery or Safe Burglary, Money Orders and Counterfeit Money, and Guest’s Property.

 

Employee theft

As an employer, you try your best to hire good people.  However, there is always the chance one of your employees is facing a difficult situation and can not resist temptation.  This coverage protects you against loss from dishonest acts committed by an employee.

 

Forgery or alteration

If a third party obtains your checkbook, any losses you incur with checks written on your account would be covered.

 

Computer and funds transfer fraud

Even with today’s technological advances, it seems criminals are always staying one step ahead.  This coverage protects you when your money, securities or other property are fraudulently transferred from your possession via a computer or internet.

 

Theft of money and securities

The disappearance of money and securities can be covered for both at or away from your location.

 

Robbery or safe burglary

The oldest crime in the world, simply taking property from another person or from inside a safe.  This coverage extends to any damage to your property or location as a result of the event.

 

Money orders and counterfeit money

As much as authorities try to make spotting counterfeit currency easier, sometimes it takes an experienced eye to identify a counterfeit.  This coverage protects you from loss after accepting, in good faith, counterfeit money or money orders.

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Get answers from our insurance experts.
    • Like many industries, construction has changed quite a bit in the past 10 to 15 years. I remember the industry 40 years ago, when I started in it, and it looks nothing like the construction of today. When I talk to contractors who have been in the construction industry as long as I have, we end up reminiscing about how the industry was when we first began. There seems to be a connection as we share with each other how we used to do things—things that this generation today will never experience.
    • As a small business owner, you know that health insurance-related costs are a big concern. But while you know healthcare is expensive, you also know that keeping your employees healthy is important to their happiness and your bottom line. As more jobs shift to an office setting, sitting is now being referred to as the new smoking. Therefore, your office building is in a unique position to get employees more active.
    • It’s summertime, and that means it’s grillin’ time. Unfortunately, those gas and charcoal grills that help create the perfect steak also create an additional fire hazard. Each year, grills cause nearly 9,000 fires and result in 16,000 injuries—over half of which are burns.

    • John L.

    • Paige N.
      Author of Services & Merchant Focus

    • Addie B.
      Author of Home Focus

    RESOURCES


    Other things you might be interested in.

    Brochures

    Acuity has a number of brochures that explain our policies, coverage options, and services in additional detail.

    Loss control

    Acuity offers an extensive library of loss control resources to help keep your employees and company operating safely

    Glossary

    Does insurance lingo sometimes leave you guessing? Check out our glossary!


    FAQs


    Have questions? We have answers.


    Sometimes good people do bad things, we know you’ve chosen your employees carefully but the fact remains that almost 90% of all theft losses involve employees.  Employee Theft protects you against theft losses caused your employees.