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.
    • In today's ultra-competitive business world, companies are always looking for a competitive advantage. This includes improving products or services and expanding into new ventures that bring value to the company's business model. Knowing your industry and then adding a little bit of creativity can develop a uniqueness about your company that can stand out and increase your chances of being ahead of the competition.
    • When you hear the word hybrid, many things may come to mind. You might think about cars that have a combination of electric and combustion engines to propel them or plants that have been genetically modified to grow in adverse conditions or achieve higher yields. Regardless of what comes to mind, the term hybrid refers to the combination of two or more unlike things.
    • When you go home after a long day’s work, you should feel free to focus on your family, not the safety of your business. Unfortunately, there are risks every business must contend with. Fires can happen any hour of the day, but there are steps you can take each day to reduce that risk.

    • John L.

    • Michael S.

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    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.