---
title: "What Insurance Covers Wire Fraud?"
description: "Crime insurance may reimburse a fraudulent wire only when its funds-transfer or computer-fraud coverage matches how the payment was initiated."
canonical: "https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-wire-fraud"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# What Insurance Covers Wire Fraud?

Crime insurance may reimburse a fraudulent wire only when its funds-transfer or computer-fraud coverage matches how the payment was initiated.

Crime insurance may reimburse a fraudulent wire only when its funds-transfer or computer-fraud coverage matches how the payment was initiated. A Travelers specimen has separate agreements for funds-transfer fraud and computer fraud; the first addresses specified instructions that fraudulently move money from an insured transfer account. A payment an employee authorized after being deceived may require different wording or an endorsement.

Contact your bank promptly, preserve payment instructions and communications, and notify the insurer within the policy deadline. Ask which transfer accounts, payment methods, and employee actions the quote covers.

## Related Questions

- [What Insurance Covers Social Engineering Fraud?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-social-engineering-fraud)
- [What Insurance Covers Invoice Fraud?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-invoice-fraud)
- [What Insurance Covers Money Stolen from a Hacked Bank Account?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-hacked-bank-accounts)
- [What Insurance Covers Employee Theft and Embezzlement?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-employee-theft)

## Related Coverage

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

## 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.

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

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