--- title: "Embroker Crime Insurance" description: "What Embroker Crime Insurance covers, who it’s for, and its limits and retentions, cited to Embroker’s own published sources." canonical: "https://spot.insure/insurance-providers/embroker/crime" page-type: "offering-page" updated-at: "2026-09-23" --- 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/insurance-providers/embroker/crime) # Embroker Crime Insurance Embroker Commercial Crime Insurance Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer.) ## Who It’s For - Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page 'Who benefits most' section; not a formal underwriting appetite statement.) ## Coverage Features - Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control.) - Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page What's not included section.) - Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page FAQ comparing fidelity bonds and commercial crime insurance.) ## Limits and Retentions - Embroker says crime insurance pricing depends on factors like employee count and locations, revenue, office security measures and financial controls, and that fidelity bonds typically cost 0.5% to 2% of the bond value; it does not publish standard policy limits. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page 'What does Commercial Crime insurance cost?' section.) ## How to Apply - **Not publicly disclosed.** The reviewed crime page does not describe a dedicated online quote flow for crime insurance the way Embroker's BOP and general liability pages do; it directs buyers to a general 'Get a Quote' link. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Scope: Product page as read on 2026-09-23.) ## Embroker Crime Insurance Compared - [Embroker vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-embroker/crime) - [Embroker vs Beazley](https://spot.insure/compare/beazley-vs-embroker/crime) - [Embroker vs CFC](https://spot.insure/compare/cfc-vs-embroker/crime) - [Embroker vs Chubb](https://spot.insure/compare/chubb-vs-embroker/crime) - [Embroker vs Coalition](https://spot.insure/compare/coalition-vs-embroker/crime) - [Embroker vs Corgi](https://spot.insure/compare/corgi-vs-embroker/crime) ## Other Embroker Coverage Lines - [Embroker Business Owner’s Policy](https://spot.insure/insurance-providers/embroker/business-owners-policy) - [Embroker Commercial Auto Insurance](https://spot.insure/insurance-providers/embroker/commercial-auto) - [Embroker Commercial Property Insurance](https://spot.insure/insurance-providers/embroker/commercial-property) - [Embroker Cyber Insurance](https://spot.insure/insurance-providers/embroker/cyber) - [Embroker D&O Insurance](https://spot.insure/insurance-providers/embroker/directors-officers) - [Embroker Employment Practices Liability Insurance](https://spot.insure/insurance-providers/embroker/employment-practices) - [Embroker Fiduciary Liability Insurance](https://spot.insure/insurance-providers/embroker/fiduciary) - [Embroker General Liability Insurance](https://spot.insure/insurance-providers/embroker/general-liability) - [Embroker Key Person Insurance](https://spot.insure/insurance-providers/embroker/key-person) - [Embroker Management Liability Insurance](https://spot.insure/insurance-providers/embroker/management-liability) - [Embroker Product Liability Insurance](https://spot.insure/insurance-providers/embroker/product-liability) - [Embroker Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/embroker/professional-errors-omissions) - [Embroker Surety Bonds](https://spot.insure/insurance-providers/embroker/surety-bonds) - [Embroker Tech E&O Insurance](https://spot.insure/insurance-providers/embroker/technology-errors-omissions) - [Embroker Venture Capital Asset Protection Insurance](https://spot.insure/insurance-providers/embroker/venture-capital-asset-protection) - [Embroker Workers’ Compensation Insurance](https://spot.insure/insurance-providers/embroker/workers-compensation) ## Related - [Embroker Profile](https://spot.insure/insurance-providers/embroker) - [Embroker Reliability](https://spot.insure/insurance-providers/embroker/reliability) - [Embroker Alternatives](https://spot.insure/insurance-providers/embroker/alternatives) - [Coverage Guide: Crime](https://spot.insure/coverage/crime) ## Sources 1. [Commercial Crime Insurance: Coverage & Policies](https://www.embroker.com/coverage/commercial-crime-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Commercial Crime insurance?; What's covered; What's not included; What's the difference between Fidelity Bonds and Commercial Crime insurance?; What does Commercial Crime insurance cost? Accessed 2026-09-23. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/embroker/crime.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)