---
title: "Compare Crime Insurance Quotes"
description: "Compare crime insurance quotes with Spot: employee theft, forgery, impersonation payments, who counts as an employee, discovery rules and related-loss limits."
canonical: "https://spot.insure/insurance/crime/compare-quotes"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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/crime/compare-quotes)

## Agent Guide

**What this page is:** Compare crime insurance quotes with Spot: employee theft, forgery, impersonation payments, who counts as an employee, discovery rules and related-loss limits.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# Compare crime insurance quotes with Spot

Crime quotes protect against different kinds of theft and fraud, so Spot checks each one’s definitions, limits and reporting rules.

- Employee theft and impersonation fraud compared separately
- Discovery and reporting dates checked against your policy history
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?intent=comparison&coverage=crime&icp=retail)

## How it works

- **Send the quotes and your controls.** Share each proposal with how you reconcile accounts, approve payments and confirm changes to a vendor’s bank details.
- **We split the theft from the fraud.** Spot sorts each quote by type of loss: employee theft, forgery, funds-transfer fraud and impersonation payments, each with its own limit.
- **Ask when a loss counts.** If you’re replacing a policy, your Spot team checks how each quote’s discovery and reporting terms interact with your current one.
- **Choose and bind.** Pick the quote that covers the losses you’re most exposed to. Your Spot team helps you bind and files the policy with your other coverage.

## What to compare

- **Types of loss covered.** Employee theft, forgery, funds-transfer fraud and impersonation payments often have separate terms.
- **Social engineering.** Whether a payment sent after an impersonator tricks an employee is covered, and under what conditions.
- **Who counts as an employee.** How contractors, volunteers and temporary staff are treated, and what counts as insured property, including client assets.
- **What counts as property.** Including client assets and money, securities or other property you hold.
- **Limits and retention.** Each limit and retention, and whether repeated related thefts count as one loss.
- **Discovery and reporting.** When the loss must be discovered and when you must report it. A theft can happen months before anyone notices.
- **Indirect losses and shortages.** Whether lost income, consequential costs or shortages shown only by inventory counts are addressed.

## Differences to watch for

- **Impersonation payments assumed covered.** A quote may be silent on them or limit them sharply. Ask explicitly.
- **Three dates that matter.** The theft, the discovery and the report can fall in different policy periods. Check the interplay if you’ve changed insurers.
- **Related thefts counted as one.** A series of connected thefts can fall under a single limit, so ask how each quote counts related losses.
- **Overlap with cyber.** Cyber may not cover money lost to theft. Check where each policy picks up.

## Coverage

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

## Common questions

### Does crime insurance cover being tricked into sending money?

Only if the quote covers social engineering or impersonation payments. Spot flags whether each one does.

### How is crime different from cyber?

Crime covers stolen money or property. Cyber covers breach response and liability. Spot helps you see where they overlap.

### Do I need to change brokers?

No. Spot is built to work with brokers, and it takes no commissions on premiums, so staying or switching is your call.

### What controls will insurers ask about?

Bank reconciliations, separated payment duties, approvals and how you verify a vendor’s changed bank details.

## More

- [Compare quotes](https://spot.insure/compare-insurance-quotes)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/crime/compare-quotes.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)