Crime and Fidelity

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.