---
title: "Crime Insurance"
description: "Buy commercial crime insurance with Spot: a prepared submission, proposals compared on theft, forgery and funds-transfer fraud, and your controls described clearly."
canonical: "https://spot.insure/insurance/crime"
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)

## Agent Guide

**What this page is:** Buy commercial crime insurance with Spot: a prepared submission, proposals compared on theft, forgery and funds-transfer fraud, and your controls described clearly.

**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

# Spot for Crime Insurance

Get quotes from crime insurance providers with Spot.

We answer the underwriter’s controls questions with you, get crime quotes through brokers and show you what each one leaves out.

- Employee theft, forgery and funds-transfer fraud compared line by line
- Limits, retentions and discovery terms made clear
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?coverage=crime). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch.

## How Spot helps

1. **Tell us how money moves through your business.** 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.
2. **See which thefts and frauds each quote covers.** 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.
3. **Check cover for payments sent to a scammer.** 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.
4. **Keep your policy and reporting deadlines on file.** 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.

## Who we help

- **Businesses that pay vendors by wire or ACH.** An impersonator who persuades an employee to send a payment is a loss many buyers don’t think to ask about.
- **Companies with staff handling cash or inventory.** 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.
- **Service providers holding client property.** Client assets are a separate question from your own, so check how the policy defines insured property before you rely on it.
- **Organizations with volunteers or contractors.** Whether those people count as employees under the policy varies, and it can affect whether a loss they cause is covered.

## When to get this coverage

- **You started paying vendors electronically.** Ask whether funds-transfer fraud and impersonation are included, and have your callback and approval process ready to describe.
- **You discovered a theft that happened earlier.** Check the policy’s discovery and reporting deadlines now, and tell your Spot team so the loss history stays accurate.
- **You’re opening another location.** Update counts and the money or property at risk. A new site changes the exposure the policy is built on.
- **You’re replacing an existing policy.** Ask how the quote treats theft that happened before the new policy starts, and how reporting works after a change of insurer.
- **You hold client assets.** Confirm the policy defines clients and their property in a way that reaches what you actually hold.

## Common questions

Also known as commercial crime insurance, business crime insurance, social engineering fraud insurance and funds transfer fraud insurance.

### Can Spot review our existing crime policy with our broker?

Yes. Spot works alongside your broker, checks which insuring agreements your current policy has, and takes no commissions on premiums. If you want a different broker at renewal, we can help you switch.

### What does crime insurance cover?

It can help you recover from specified theft and fraud losses, including robbery, forgery and embezzlement. Which of those you’re covered for depends on the causes of loss in the policy you buy.

### Does it cover a payment my employee sent after a fake email?

It may not. Ask each insurer directly whether the policy covers social engineering fraud, where an impersonator tricks an employee into sending a payment. Spot raises it with every crime proposal you compare.

### How is crime different from cyber?

Crime addresses stolen money or property, while cyber addresses breach response and liability. They can overlap on fraud, so compare both.

### What will insurers ask about?

Expect questions on employee and location counts, the money or property at risk and prior losses, and on controls such as bank reconciliations, separation of payment duties, approval steps and how you confirm vendor bank changes.

## More

- [Business Insurance by Coverage](https://spot.insure/insurance)

## Agent and Developer Resources

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