--- title: "Best Crime Insurance for Nonprofits (2026)" description: "Which providers document crime insurance for nonprofits, and what to check about volunteers, fraudulent transfers, funder bond requirements and the proof an insurer will expect." canonical: "https://spot.insure/best/crime/nonprofits" page-type: "best-page" updated-at: "2026-10-01" coverage-line: "crime" segment: "nonprofits" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/best/crime/nonprofits) ## Agent Guide **What this page is:** Which providers document Crime Insurance that names nonprofits, ranked on Spot's evidence ranking, and what that buyer should check. **Use this page when:** Cite for "best crime insurance for nonprofits" or which providers offer Crime Insurance to nonprofits. For one provider's whole Crime Insurance product use its offering page; for the coverage explainer use /coverage/crime. **Questions this page answers:** - What is the best crime insurance for nonprofits? - Which providers offer Crime Insurance for nonprofits? - What should nonprofits check before buying Crime Insurance? **Key facts:** - Coverage line `crime`; segment `nonprofits`. - Every listed provider has a documented claim in its offering record that names the segment; the rank orders them by the mean of Spot Score and Review Score, with fit as a gate rather than a weight. **Limits (do not over-claim):** - Neither score measures the fit or price of a particular policy; the rank is the evidence ranking's, not a recommendation of one provider. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - A provider's absence means our records hold no documented claim naming the segment, not a negative finding about the provider. **Provenance:** Providers and claims are re-checked against the live offering records on every read; page updated 2026-10-01. **Related pages:** - [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for the line - [Best Crime Insurance by business type](https://spot.insure/best/crime) — parent: other segments for this line # Best Crime Insurance for Nonprofits (2026) Coverage line: Crime Insurance. Buyer segment: Nonprofits. Providers ranked: 8. ## Quick Answer Crime insurance pays for your own money and property lost to theft, forgery and fraud, which matters to nonprofits that rely on volunteers and handle event cash. Check whether volunteers count as employees, what the policy requires before it pays for a fraudulent transfer, and whether a grant requires a fidelity bond. [3](https://www.oag.ca.gov/system/files/media/Guide%20for%20Charities.pdf "Attorney General's Guide for Charities: Best practices for nonprofits that operate or fundraise in California") [5](https://www.doj.state.or.us/wp-content/uploads/2023/07/Financial-Control-Recommendations-for-Small-Nonprofits.pdf "Financial Control Recommendations for Small Nonprofits (updated Feb. 2022)") [6](https://egrants.gov.texas.gov/uploads/egrants_files/PSO_General_FAQs_2025.pdf "Public Safety Office General FAQs (version October 2025)") [9](https://eperils.com/wp-content/uploads/2016/09/iso.pdf "Commercial Crime Policy (Discovery Form) CR 00 22 05 06, specimen") [10](https://amtrustfinancial.com/getmedia/bfbc3d1a-eec5-49d0-b55e-4b86d345a7b5/Commercial-Crime-Policy-Loss-Discovered-(Specimen).pdf "Commercial Crime Policy (Discovery Form) CR 00 22 06 22, specimen") 8 providers document Crime Insurance for nonprofits. Coalition, Lockton and Chubb rank highest on Spot’s evidence ranking. ## Which Providers Document Crime Insurance for Nonprofits? | Rank | Provider | Fit | Spot Score | Review Score | | --- | --- | --- | --- | --- | | 1 | [Coalition](https://spot.insure/insurance-providers/coalition/crime) | Named for Nonprofits | 6.2 / 10 | 10.0 / 10 (1 rated source) | | 2 | [Lockton](https://spot.insure/insurance-providers/lockton/crime) | Named for Nonprofits | 5.6 / 10 | 8.4 / 10 (3 rated sources) | | 3 | [Chubb](https://spot.insure/insurance-providers/chubb/crime) | Related mention | 6.4 / 10 | 6.9 / 10 (5 rated sources) | | 4 | [Founder Shield](https://spot.insure/insurance-providers/foundershield/crime) | Named for Nonprofits | 5.3 / 10 | 7.4 / 10 (1 rated source) | | 5 | [The Hartford](https://spot.insure/insurance-providers/the-hartford/crime) | Named for Nonprofits | 7.3 / 10 | 4.9 / 10 (5 rated sources) | | 6 | [Travelers](https://spot.insure/insurance-providers/travelers/crime) | Named for Nonprofits | 6.1 / 10 | 4.8 / 10 (3 rated sources) | | 7 | [Liberty Mutual](https://spot.insure/insurance-providers/liberty-mutual/crime) | Named for Nonprofits | Not rated | 7.2 / 10 (2 rated sources) | | 8 | [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk/crime) | Named for Nonprofits | 5.8 / 10 | No review score | ### 1. Coalition Spot Score basis: Broker Spot Score 6.1 and Carrier & MGA Spot Score 6.3 · Assessed 2026-09-23 · Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas…. - Coalition says Executive Risks products, including crime, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. [14](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks FAQ as read on 2026-09-23.) Full page: [Coalition Crime Insurance](https://spot.insure/insurance-providers/coalition/crime). ### 2. Lockton Spot Score basis: Broker Spot Score · Assessed 2026-09-22 · Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in…. - Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. It also notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. [15](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23.) Full page: [Lockton Crime Insurance](https://spot.insure/insurance-providers/lockton/crime). ### 3. Chubb Spot Score basis: Carrier & MGA Spot Score · Assessed 2026-09-23 · Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for…. - Chubb underwrites Crime Insurance as one of seven coverage parts within its ForeFront Portfolio for private companies, not-for-profit and healthcare organizations, insuring against theft and embezzlement by trusted employees and outsiders. [16](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") (Evidence: Company-reported; scope: ForeFront Portfolio Crime Insurance product sheet.) Full page: [Chubb Crime Insurance](https://spot.insure/insurance-providers/chubb/crime). ### 4. Founder Shield Spot Score basis: Broker Spot Score · Assessed 2026-09-22 · Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website…. - Founder Shield calls this coverage a priority for healthcare, financial services, non-profit and manufacturing/retail companies because of their exposure to internal or external theft. [17](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime Insurance product page.) Full page: [Founder Shield Crime Insurance](https://spot.insure/insurance-providers/foundershield/crime). ### 5. The Hartford Spot Score basis: Carrier & MGA Spot Score · Assessed 2026-09-23 · The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related…. - The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. [18](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23.) Full page: [The Hartford Crime Insurance](https://spot.insure/insurance-providers/the-hartford/crime). ### 6. Travelers Spot Score basis: Carrier & MGA Spot Score · Assessed 2026-09-23 · The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers…. - Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. [19](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: Product page "Who is fidelity and crime coverage right for?" section.) Full page: [Travelers Crime Insurance](https://spot.insure/insurance-providers/travelers/crime). ### 7. Liberty Mutual - Liberty Mutual includes crime coverage in its ProShield management-liability package for private and not-for-profit organizations. [20](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.) - The source scopes ProShield to private and not-for-profit organizations; a specific organization’s eligibility is not established. [20](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.) Full page: [Liberty Mutual Crime Insurance](https://spot.insure/insurance-providers/liberty-mutual/crime). ### 8. Alliance Risk Spot Score basis: Broker Spot Score · Assessed 2026-09-22 · Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National…. - Alliance Risk lists businesses that handle cash, payments or sensitive data, companies with accounting, billing or procurement teams, nonprofits with volunteer financial oversight, and organizations in finance, retail, healthcare or logistics as common crime insurance buyers. [21](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime product page, Who Needs Crime Insurance? section.) Full page: [Alliance Risk Crime Insurance](https://spot.insure/insurance-providers/alliance-risk/crime). ## How Did Spot Rank Crime Insurance Providers for Nonprofits? Spot lists a provider only when its published Crime Insurance information includes a documented claim (verified or company-reported) about eligibility, role, coverage or application that mentions nonprofits. “Named for Nonprofits” marks a provider’s own statement of who it serves; “Related mention” marks a role, coverage or application claim. Providers with both a Spot Score and a Review Score rank first, then providers with one of the two, then providers with neither. Within each group the order is the equal-weight average of the scores the provider has, as in the industry guides; ties break on fit, then the number of documented claims, then name. The Spot Score comes from Spot’s reliability assessments and the Review Score from the provider’s rated review sources. Neither measures whether a policy fits your business or what it costs. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). ## What Do Nonprofits Need From Crime Insurance? In the Association of Certified Fraud Examiners' 2024 study, nonprofit organizations, including non-governmental organizations, were 10% of cases and had the lowest median loss, USD 76,000. Across all organizations in the study the typical scheme ran 12 months before it was detected, and 43% of frauds were found by a tip. ACFE's cases come from fraud examiners it surveyed, so the figures describe cases those examiners handled, not how often fraud happens, and the duration and tip figures are not nonprofit-specific. [1](https://www.acfe.com/-/media/files/acfe/pdfs/rttn/2024/2024-report-to-the-nations.pdf "Occupational Fraud 2024: A Report to the Nations") Two state attorneys general put asset safeguards on the board. California's attorney general says directors may be accountable for the misappropriation, waste or misuse of charitable assets if the loss resulted from deficient or nonexistent internal controls, among other causes, and lists among a director's responsibilities making certain the charity is properly using any restricted funds. New York's attorney general says every organization should have procedures that ensure no single individual is responsible for receiving, recording and depositing funds and for writing and signing checks, and that restrictions on the use of funds, such as contributions given for a restricted purpose, are obeyed. [3](https://www.oag.ca.gov/system/files/media/Guide%20for%20Charities.pdf "Attorney General's Guide for Charities: Best practices for nonprofits that operate or fundraise in California") [4](https://ag.ny.gov/sites/default/files/publications/Charities_Internal_Controls.pdf "Internal Controls and Financial Accountability for Not-for-Profit Boards (Guidance Document 2015-3)") Some funders require a fidelity bond. Texas's Public Safety Office, part of the Office of the Governor, says each non-profit corporation receiving its grant funds must hold a blanket fidelity bond covering the entire grant amount including matching funds, and that general liability, directors and officers and fiduciary coverage do not satisfy the requirement. Oregon's model clause for state grant agreements says the grantee shall provide employee dishonesty or fidelity bond coverage for dishonest acts of its employees, with the limit left blank. Federal rules make the cost of bonding required by a federal award allowable. Texas and Oregon word the requirement differently, so your own funding agreement is the one that counts. [6](https://egrants.gov.texas.gov/uploads/egrants_files/PSO_General_FAQs_2025.pdf "Public Safety Office General FAQs (version October 2025)") [7](https://www.oregon.gov/das/risk/pages/insclausescrimeprotcov.aspx "Insurance clauses: Crime Protection/Employee Dishonesty Coverage") [8](https://www.ecfr.gov/current/title-2/subtitle-A/chapter-II/part-200/subpart-E/subject-group-ECFRed1f39f9b3d4e72/section-200.427 "2 CFR 200.427 Bonding costs") ## Which Crime Exposures Do Nonprofits Face? Volunteers who handle money may fall outside a crime policy's definition of employee. In ISO's 2005 crime discovery form, as hosted by a brokerage's site, the core definition of an employee is someone you compensate directly by salary, wages or commissions and have the right to direct and control, with listed additions such as temporary and leased workers, interns, and directors or trustees performing employee duties or serving on a board-appointed committee, and the word volunteer does not appear in the form. California's attorney general lists misappropriation by a volunteer among the risks of using volunteers, and the IRS tells organizations to report diversions by volunteers. The Nonprofit Risk Management Center says, in a 2007 article, that you may be able to extend a crime policy to cover volunteers. [2](https://www.irs.gov/pub/irs-pdf/i990.pdf "Instructions for Form 990, Return of Organization Exempt From Income Tax (2025, posted proof copy)") [3](https://www.oag.ca.gov/system/files/media/Guide%20for%20Charities.pdf "Attorney General's Guide for Charities: Best practices for nonprofits that operate or fundraise in California") [9](https://eperils.com/wp-content/uploads/2016/09/iso.pdf "Commercial Crime Policy (Discovery Form) CR 00 22 05 06, specimen") [11](https://nonprofitrisk.org/resources/what-basic-insurance-coverage-should-a-nonprofit-consider/ "What Basic Insurance Coverage Should a Nonprofit Consider? (Risk eNews, 2007)") In both ISO forms, coverage for a dishonest employee ends when you learn of the dishonesty. The 2005 form's employee theft insuring agreement terminates as to any employee as soon as you, or any officer, director or trustee not in collusion with the employee, learns of theft or any other dishonest act by that employee; the 2022 edition ends the whole policy as to that person and adds an employee in your human resources department as a trigger. The 2022 edition, as hosted by a carrier, ties the discovery of a loss to a designated person, a term that includes directors, trustees and officers. Under either form, once someone in those groups learns of an employee's dishonesty, coverage for that employee ends. [9](https://eperils.com/wp-content/uploads/2016/09/iso.pdf "Commercial Crime Policy (Discovery Form) CR 00 22 05 06, specimen") [10](https://amtrustfinancial.com/getmedia/bfbc3d1a-eec5-49d0-b55e-4b86d345a7b5/Commercial-Crime-Policy-Loss-Discovered-(Specimen).pdf "Commercial Crime Policy (Discovery Form) CR 00 22 06 22, specimen") A loss has to be proved, and by a deadline. The 2005 form defines discovery as when you first become aware of facts that would cause a reasonable person to assume a covered loss has been or will be incurred, even if the amount is unknown. Both forms require a detailed, sworn proof of loss within 120 days. The 2022 edition, under its employee theft, ERISA and client theft insuring agreements, also excludes loss whose existence or amount depends on an inventory computation or a profit and loss computation, unless you establish the loss apart from those computations. [9](https://eperils.com/wp-content/uploads/2016/09/iso.pdf "Commercial Crime Policy (Discovery Form) CR 00 22 05 06, specimen") [10](https://amtrustfinancial.com/getmedia/bfbc3d1a-eec5-49d0-b55e-4b86d345a7b5/Commercial-Crime-Policy-Loss-Discovered-(Specimen).pdf "Commercial Crime Policy (Discovery Form) CR 00 22 06 22, specimen") Payment fraud has its own conditions. The FBI's Internet Crime Complaint Center recorded 21,442 business email compromise complaints and about $2.77 billion in reported losses in 2024, without breaking out nonprofits. In the 2022 edition, a condition on the fraudulent impersonation insuring agreement says you must make a reasonable effort to verify a transfer instruction or change of account request, not through email, and document the result before transferring any property. The FBI advises verifying account changes through a secondary channel and, after a fraudulent transfer, contacting your financial institution immediately to request a recall. [10](https://amtrustfinancial.com/getmedia/bfbc3d1a-eec5-49d0-b55e-4b86d345a7b5/Commercial-Crime-Policy-Loss-Discovered-(Specimen).pdf "Commercial Crime Policy (Discovery Form) CR 00 22 06 22, specimen") [12](https://www.ic3.gov/AnnualReport/Reports/2024_IC3Report.pdf "2024 IC3 Annual Report") [13](https://www.ic3.gov/PSA/2024/PSA240911 "Business Email Compromise: The $55 Billion Scam (PSA240911)") ## What Should Nonprofits Check Before Buying Crime Insurance? Ask who counts as an employee, in writing. Ask whether volunteers, committee chairs, the treasurer and event teams are included, for which acts, and whether the quote adds coverage for volunteers. Both ISO forms cited here start from pay and control but add listed groups such as temporary and leased workers, interns, and directors or trustees doing employee work; your own policy's wording may differ and is what governs. [9](https://eperils.com/wp-content/uploads/2016/09/iso.pdf "Commercial Crime Policy (Discovery Form) CR 00 22 05 06, specimen") [10](https://amtrustfinancial.com/getmedia/bfbc3d1a-eec5-49d0-b55e-4b86d345a7b5/Commercial-Crime-Policy-Loss-Discovered-(Specimen).pdf "Commercial Crime Policy (Discovery Form) CR 00 22 06 22, specimen") [11](https://nonprofitrisk.org/resources/what-basic-insurance-coverage-should-a-nonprofit-consider/ "What Basic Insurance Coverage Should a Nonprofit Consider? (Risk eNews, 2007)") Size the limit to the cash and other property you actually hold. Oregon's state risk management office, in its guidance on setting limits for state contracts and grant agreements, says that as a baseline, limits should equal or exceed the maximum amount of cash, negotiable securities or vulnerable property at risk at any time. Work out the most you could have at risk at once. Pair the policy with the controls regulators recommend: Oregon's justice department says bank statements should be reconciled monthly by someone who does not issue or sign checks and that event cash should be accepted and recorded by two people with a third arranging the deposit, and California's attorney general says checks should never be pre-signed. [3](https://www.oag.ca.gov/system/files/media/Guide%20for%20Charities.pdf "Attorney General's Guide for Charities: Best practices for nonprofits that operate or fundraise in California") [5](https://www.doj.state.or.us/wp-content/uploads/2023/07/Financial-Control-Recommendations-for-Small-Nonprofits.pdf "Financial Control Recommendations for Small Nonprofits (updated Feb. 2022)") [7](https://www.oregon.gov/das/risk/pages/insclausescrimeprotcov.aspx "Insurance clauses: Crime Protection/Employee Dishonesty Coverage") Match the policy to your funder's wording. Texas's Public Safety Office says employee dishonesty insurance, which it also calls a fidelity bond, is sometimes referred to as a financial institution bond, a commercial crime policy or an employee dishonesty bond, and that the bond should cover at least the grant period. Ask your funder to confirm the wording and limit it accepts before you bind. [6](https://egrants.gov.texas.gov/uploads/egrants_files/PSO_General_FAQs_2025.pdf "Public Safety Office General FAQs (version October 2025)") Plan for the claim and the filings. California's attorney general says a charity should consult its insurance carrier on whether an embezzlement loss is covered, that some insurance policies include coverage of employee theft and dishonesty, and that the loss must be reported on Form 990 Part VI, item 5, for full 990 filers and, in California, on Form RRF-1. The IRS asks about significant diversions, measured before insurance recoveries. [2](https://www.irs.gov/pub/irs-pdf/i990.pdf "Instructions for Form 990, Return of Organization Exempt From Income Tax (2025, posted proof copy)") [3](https://www.oag.ca.gov/system/files/media/Guide%20for%20Charities.pdf "Attorney General's Guide for Charities: Best practices for nonprofits that operate or fundraise in California") ## What Do Nonprofits Ask About Crime Insurance? ### Do Nonprofits Need Crime Insurance? Sometimes a funder requires it. Texas's Public Safety Office requires a blanket fidelity bond of its nonprofit grantees, and Oregon's model grant clause requires employee dishonesty or fidelity bond coverage. Check your award. Both are grant conditions, not a general legal requirement. [6](https://egrants.gov.texas.gov/uploads/egrants_files/PSO_General_FAQs_2025.pdf "Public Safety Office General FAQs (version October 2025)") [7](https://www.oregon.gov/das/risk/pages/insclausescrimeprotcov.aspx "Insurance clauses: Crime Protection/Employee Dishonesty Coverage") ### Does Crime Insurance Cover Theft by Volunteers at Nonprofits? Not necessarily. ISO's 2005 discovery form starts from someone you pay directly and have the right to direct and control, adds listed groups such as temporary workers, interns and directors or trustees doing employee duties, and does not mention volunteers. The Nonprofit Risk Management Center says you may be able to extend coverage to volunteers. Ask for the definition. [9](https://eperils.com/wp-content/uploads/2016/09/iso.pdf "Commercial Crime Policy (Discovery Form) CR 00 22 05 06, specimen") [11](https://nonprofitrisk.org/resources/what-basic-insurance-coverage-should-a-nonprofit-consider/ "What Basic Insurance Coverage Should a Nonprofit Consider? (Risk eNews, 2007)") ### Does Crime Insurance Cover Wire Fraud Against Nonprofits? Only if the wording provides it and you meet its conditions. In ISO's 2022 discovery form as hosted by a carrier, a condition on the impersonation insuring agreement requires a reasonable effort to verify the instruction, not through email, and a documented result before you transfer property. Ask for funds-transfer and impersonation cover by name. [10](https://amtrustfinancial.com/getmedia/bfbc3d1a-eec5-49d0-b55e-4b86d345a7b5/Commercial-Crime-Policy-Loss-Discovered-(Specimen).pdf "Commercial Crime Policy (Discovery Form) CR 00 22 06 22, specimen") ### Does Insurance Reduce What Nonprofits Report as a Diversion of Assets? No, not for the significance test. The IRS instructions for Form 990 measure a significant diversion by gross value, not taking into account restitution, insurance or similar recoveries, against the lesser of 5% of gross receipts, 5% of total assets or $250,000. [2](https://www.irs.gov/pub/irs-pdf/i990.pdf "Instructions for Form 990, Return of Organization Exempt From Income Tax (2025, posted proof copy)") ## Related Pages for Crime Insurance for Nonprofits - [Best D&O Insurance for Nonprofits](https://spot.insure/best/directors-officers/nonprofits) - [Best Employment Practices Liability Insurance for Nonprofits](https://spot.insure/best/employment-practices/nonprofits) - [Best Fiduciary Liability Insurance for Nonprofits](https://spot.insure/best/fiduciary/nonprofits) - [Best Management Liability Insurance for Nonprofits](https://spot.insure/best/management-liability/nonprofits) - [Coverage Guide: Crime Insurance](https://spot.insure/coverage/crime) - [All Best Crime Insurance Pages](https://spot.insure/best/crime) ## Sources for Crime Insurance for Nonprofits 1. [Occupational Fraud 2024: A Report to the Nations](https://www.acfe.com/-/media/files/acfe/pdfs/rttn/2024/2024-report-to-the-nations.pdf). Association of Certified Fraud Examiners; p.15 Duration of Fraud Schemes; p.23 Initial Detection of Occupational Fraud; p.30 Victim Organizations: type of organization. Accessed 2026-10-01. 2. [Instructions for Form 990, Return of Organization Exempt From Income Tax (2025, posted proof copy)](https://www.irs.gov/pub/irs-pdf/i990.pdf). Internal Revenue Service; Specific Instructions, Part VI, line 5. Accessed 2026-10-01. 3. [Attorney General's Guide for Charities: Best practices for nonprofits that operate or fundraise in California](https://www.oag.ca.gov/system/files/media/Guide%20for%20Charities.pdf). California Department of Justice; Chapter 4: Charities as Employers (embezzlement Q&A; volunteers); Chapter 5: Exercising Fiscal Management (preventing internal fraud and theft of charitable assets). Accessed 2026-10-01. 4. [Internal Controls and Financial Accountability for Not-for-Profit Boards (Guidance Document 2015-3)](https://ag.ny.gov/sites/default/files/publications/Charities_Internal_Controls.pdf). New York State Attorney General, Charities Bureau; Section II: procedures for monitoring assets. Accessed 2026-10-01. 5. [Financial Control Recommendations for Small Nonprofits (updated Feb. 2022)](https://www.doj.state.or.us/wp-content/uploads/2023/07/Financial-Control-Recommendations-for-Small-Nonprofits.pdf). Oregon Department of Justice, Charitable Activities Section; Controls 1-3: separate duties; reconcile bank statements monthly; cash handling procedures. Accessed 2026-10-01. 6. [Public Safety Office General FAQs (version October 2025)](https://egrants.gov.texas.gov/uploads/egrants_files/PSO_General_FAQs_2025.pdf). Office of the Governor, State of Texas; Fidelity Bond (pp.3-4). Accessed 2026-10-01. 7. [Insurance clauses: Crime Protection/Employee Dishonesty Coverage](https://www.oregon.gov/das/risk/pages/insclausescrimeprotcov.aspx). Oregon Department of Administrative Services, Risk Management; Clause for grant agreements; Setting Limits. Accessed 2026-10-01. 8. [2 CFR 200.427 Bonding costs](https://www.ecfr.gov/current/title-2/subtitle-A/chapter-II/part-200/subpart-E/subject-group-ECFRed1f39f9b3d4e72/section-200.427). Office of Management and Budget (eCFR); (a)-(c). Accessed 2026-10-01. 9. [Commercial Crime Policy (Discovery Form) CR 00 22 05 06, specimen](https://eperils.com/wp-content/uploads/2016/09/iso.pdf). ISO, copy hosted by a brokerage site; Insuring Agreement A.1 and its termination condition; Duties in the Event of Loss; Definitions: Discover, Employee. Accessed 2026-10-01. 10. [Commercial Crime Policy (Discovery Form) CR 00 22 06 22, specimen](https://amtrustfinancial.com/getmedia/bfbc3d1a-eec5-49d0-b55e-4b86d345a7b5/Commercial-Crime-Policy-Loss-Discovered-(Specimen).pdf). ISO, copy hosted by a carrier; Insuring Agreement A.7 and verification conditions; Inventory Shortages exclusion; Duties in the Event of Loss; Termination of Coverage as to Any Employee; Definitions: Designated person, Discovery, Employee. Accessed 2026-10-01. 11. [What Basic Insurance Coverage Should a Nonprofit Consider? (Risk eNews, 2007)](https://nonprofitrisk.org/resources/what-basic-insurance-coverage-should-a-nonprofit-consider/). Nonprofit Risk Management Center; Crime or Employee Dishonesty. Accessed 2026-10-01. 12. [2024 IC3 Annual Report](https://www.ic3.gov/AnnualReport/Reports/2024_IC3Report.pdf). Federal Bureau of Investigation, Internet Crime Complaint Center; p.10 crime types by complaint loss; p.18 three-year complaint count comparison. Accessed 2026-10-01. 13. [Business Email Compromise: The $55 Billion Scam (PSA240911)](https://www.ic3.gov/PSA/2024/PSA240911). Federal Bureau of Investigation, Internet Crime Complaint Center; How to Protect Yourself/Business; Recommended Prevention Tips. Accessed 2026-10-01. 14. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition. Accessed 2026-09-23. 15. [Crime and Fidelity Insurance](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance). Lockton. Accessed 2026-09-23. 16. [The ForeFront Portfolio — Crime Insurance](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf). Chubb. Accessed 2026-09-23. 17. [Crime Insurance](https://foundershield.com/coverage/crime-insurance/). Founder Shield. Accessed 2026-09-23. 18. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford. Accessed 2026-09-23. 19. [Fidelity & Crime Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime). Travelers. Accessed 2026-09-23. 20. [ProShield](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/). Liberty Mutual Business Insurance. Accessed 2026-09-29. 21. [Crime Insurance](https://joinalliancerisk.com/crime-insurance/). Alliance Risk. Accessed 2026-09-23. ## How to Cite Crime Insurance for Nonprofits Best Crime Insurance for Nonprofits (2026). Spot, updated 2026-10-01. https://spot.insure/best/crime/nonprofits. Quote a provider’s claim with its numbered source. Updated 2026-10-01. ## Agent and Developer Resources - [Markdown page](https://spot.insure/best/crime/nonprofits.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)