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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    • As more companies adopt Industry 4.0 technologies, the factories of yesterday are getting smarter and turning into—well, smart factories. These changes are helping manufacturers become more efficient, effective, and profitable.
    • Almost overnight, millions of people faced stay-at-home orders and began working from home. In an early study on COVID-19 and work from home, researchers from MIT, Stanford, and the National Bureau of Economic Research found that 34 percent of people surveyed were working from home full-time as early as the first week of April.
    • Customers of Van Meter Insurance/Houchens Insurance Group have come to know Emily Correa for her commitment to service excellence.

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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.