Spot for Crime Insurance
We answer the underwriter’s controls questions with you, get crime quotes through brokers and show you what each one leaves out.
Your Spot team collects employee and location counts, the money and property at risk, requested limits and prior losses, plus how you handle reconciliations, payment approvals and vendor bank changes.
With proposals in hand, we show whether each one covers employee theft, forgery, money on premises and in transit, and computer or funds-transfer fraud, since a quote can include some of these and leave out others.
Crime insurance
Coverage limits · Policy terms
Maple Market
Spot flags whether a quote responds when an employee sends a payment after an impersonator tricks them, so you know the answer before an incident.
Crime insurance
Maple Market · Policy review
Confirm with your broker
Limits, exclusions, and endorsements
Crime wording turns on when a loss is discovered and reported. Spot keeps your policy and notice terms on file and brings renewals forward, including when you change insurers.
JordanMaple Market
Let’s prepare the information for your broker and compare the terms, not just the price.
Crime insurance policy
Coverage terms · Limits
Share what you do, where you work, the policies you have and any contracts that ask for insurance.
Spot turns it into an application that describes your business the way insurers need to see it.
Spot handles the procurement, sending it to the insurers and markets that cover businesses like yours and chasing every quote.
We put the quotes side by side on limits, exclusions and terms as well as price.
You choose. Spot places the policy for you, and certificates are ready when a customer or landlord asks.
An impersonator who persuades an employee to send a payment is a loss many buyers don’t think to ask about.
Employee theft is the classic crime exposure, and a shortage you can show only through inventory calculations may not count, so ask how each quote treats it.
Client assets are a separate question from your own, so check how the policy defines insured property before you rely on it.
Whether those people count as employees under the policy varies, and it can affect whether a loss they cause is covered.
What each industry usually faces, and where Spot fits in.
Staff can instruct transfers, change payment details, approve withdrawals, or access assets.
Employees or systems can access customer property, change instructions, or move money or securities.
The company receives payments, changes bank details, issues disbursements, or gives employees account access.
The business disburses loan proceeds, receives repayments, changes bank instructions, or handles employee payment access.
Employees can access client or company money, payment instructions, or accounting systems.
Employees or systems can initiate transfers, change payment instructions, or access funds or securities.
You handle premium, commission, claim, settlement, or customer funds, or staff can change payment instructions.
Staff can access client trust funds, operating accounts, or payment instructions.
Your staff can move client media budgets or change vendor payment instructions.
Employees or systems can redirect funds, approve transfers, change account details, or act on payment instructions.
Staff can access client payroll, deposits, candidate funds or payment instructions.
Staff can redirect remittance details, initiate refunds or handle customer deposits.
Get quotes from 35+ crime insurance providers with Spot.
Ask whether funds-transfer fraud and impersonation are included, and have your callback and approval process ready to describe.
Check the policy’s discovery and reporting deadlines now, and tell your Spot team so the loss history stays accurate.
Update counts and the money or property at risk. A new site changes the exposure the policy is built on.
Ask how the quote treats theft that happened before the new policy starts, and how reporting works after a change of insurer.
Confirm the policy defines clients and their property in a way that reaches what you actually hold.
Also known as commercial crime insurance, business crime insurance, social engineering fraud insurance and funds transfer fraud insurance.
Get quotes from 35+ crime insurance providers with Spot. Keep your broker or switch, with no commissions on premiums.
Get StartedRead these before you choose a policy or an insurer.
