Beazley Crime Insurance

Beazley markets Commercial Crime to ordinary commercial companies, not to banks or other financial institutions, which it addresses separately through Financial Fidelity Bonds. ¹Company-reported. Product page target-customer language; no industry list or size threshold is published.

Beazley says Commercial Crime protects an organization from loss of money and securities caused by theft by its own employees, plus third-party-related losses such as forgery or alteration, on-premises and in-transit loss, money-order and counterfeit-currency fraud, computer fraud, client-property loss, credit-card fraud and related expense coverage. ¹Company-reported. Product-page description of insuring agreements; exclusions, conditions and available sub-limits appear only in the issued policy.

Beazley says its Commercial Crime policy includes a fraudulent-instruction (social-engineering) insuring agreement covering losses from wire transfers made on instructions from someone posing as a vendor, client or authorized employee, and that this cover is conditioned on out-of-band authentication of payment instructions. ¹Company-reported. Product-page description; Beazley says the out-of-band-authentication condition can be removed for insureds with documented controls and response plans, subject to an additional premium.

Beazley advertises Commercial Crime limits of up to US $25,000,000. The page does not publish retentions, sub-limits by insuring agreement, or a minimum limit. ¹Company-reported. Product-page headline limit figure; the page does not split the figure between Commercial Crime and Financial Fidelity Bonds.

Beazley says its underwriting and claims professionals for this line work side by side so that, when a claim arises, the original underwriting intent of the policy is respected. ¹Company-reported. Company-stated internal process description; no independent claims-handling outcome data is provided.

Beazley lists a standalone Crime application, a Massachusetts-specific Crime application and a separate Social Engineering application among its Tools & Resources, distinct from the Financial Fidelity Bond application forms on the same page. ¹Company-reported. Tools & Resources section of the product page; the page does not describe an online quote or self-service purchase flow.

Not publicly disclosed. The product page links to Beazley's general claim-notification channel for this line. It does not disclose a claims response-time commitment or a dedicated claims-handling process specific to Commercial Crime. ¹Product page "Notify a Claim" link as read on 2026-09-23; response times were not found.