---
title: "What Insurance Covers Social Engineering Fraud?"
description: "A crime policy may cover money sent after an employee is tricked only if it includes social-engineering coverage; ordinary funds-transfer wording may require an unauthorized bank instruction."
canonical: "https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-social-engineering-fraud"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# What Insurance Covers Social Engineering Fraud?

A crime policy may cover money sent after an employee is tricked only if it includes social-engineering coverage; ordinary funds-transfer wording may require an unauthorized bank instruction.

A supplier, executive, or client impersonation can persuade an employee to change payment details or send money. Chubb describes a social-engineering endorsement for those scenarios, while base funds-transfer wording may focus on a bank instruction made without the company’s knowledge or consent.

Ask whether social-engineering coverage is included, which impersonations qualify, and what verification steps, waiting periods, retentions, or sublimits apply. Read the endorsement alongside the funds-transfer definition.

## Related Questions

- [What Insurance Covers Wire Fraud?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-wire-fraud)
- [What Insurance Covers Invoice Fraud?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-invoice-fraud)
- [What Insurance Covers Employee Theft and Embezzlement?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-employee-theft)
- [What Insurance Covers Theft by Customers?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-customer-theft)

## Related Coverage

- [Crime](https://spot.insure/coverage/crime)

## Sources

1. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; Insuring Agreements A.1 Employee Theft, A.3 Employee Theft of Client Property, B Forgery or Alteration, F Computer Fraud, G Funds Transfer Fraud, PDF pp.1–5; definitions E and AA, pp.7 and 10; exclusions IV.C–H, pp.14–15. Accessed 2026-09-25.
2. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; Social engineering fraud insurance coverage highlights. Accessed 2026-09-25.

More answers: [What Insurance Covers FAQ](https://spot.insure/insurance-faq/what-insurance-covers).

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