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Available as part of a convenient modular policy or as a standalone policy, our commercial and government crime policy includes a number of insuring agreements to protect your clients:

• Employee theft �� Covers loss of money, securities and tangible property
• Forgery or alteration �� Covers loss resulting directly from forged signatures on checks and other promises to pay, plus alterations that change the intent of documents
• Inside the premises, theft of money and securities �� Covers money and securities from theft, disappearance or destruction
• Inside the premises, robbery or safe burglary or other property �� Covers the property from robbery or safe burglary, and damage to the premises resulting from actual or attempted robbery or safe burglary
• Outside the premises (theft and robbery) �� Covers money, securities, and other property from losses in transit
• Computer fraud �� Covers loss of money, securities, and other property by means of a fraudulent transfer through a computer
• Funds transfer fraud �� Covers loss of funds resulting from fraudulent instruction to a financial institution directing the financial institution to transfer, pay, or deliver funds from a transfer account
• Money orders and counterfeiting currency �� Covers loss resulting from the acceptance in good faith of money orders not ultimately paid and for counterfeit money acquired during the regular course of business

Additional coverages include:

• Credit, debit or charge card fraud
• Data restorations expense
• Personal accounts forgery protection
• Identity fraud reimbursement
• Investigative expense
• In-transit coverage
• Inside the premises coverage
• False pretense coverage

Additional policies we can offer:

Third-party off premises policy

Any business whose employees spend time working in clients�� places of business is exposing itself to losses from employee theft. Third-party off-premises coverage helps protect businesses against losses from traveling employee theft. In many cases, business consultants, computer consultants, contractors and healthcare services are often contractually obligated by their clients to have theft coverage in place. With employee theft limits up to $10M available, this policy is beneficial for clients with more significant exposures that require higher limits beyond what a Business Service Bond can provide. Coverage features include:

• Increased deductible option for reducing premiums
• Offered on specific contract or blanket basis
• Option for coverage expansion to include independent contractors working on behalf of the Insured

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Excess crime policy

Extends crime protection, offering coverage beyond what is provided under an insured’s primary policy.

Financial institution bond

Provides crime protection for insurance companies, registered investment advisors, hedge funds, banks, nonbank lenders, private equity funds and other financial institutions. Key coverage features include:

• No deductible for ERISA plans and the coverage limit will automatically increase to the maximum per plan limit required my ERISA
• On premises and in transit
• Counterfeit money or money orders
• Fraudulent mortgages
• Check kiting
• Safe deposit liability

Quote and issue online

Our online quoting and issuing platform, TAP Sales, allows you to quickly quote, bind and issue a fidelity and crime policy with limits up to $1M. Our streamlined process allows you to customize your policy with just a few clicks.

You can issue a standalone crime policy, or combine the crime coverage part with other management liability coverage parts to create a modular solution. This flexibility allows for a focused plan that can accommodate a wide range of clients. This is all backed by our expert underwriters, who can also assist with any risks that are outside of the eligibility guidelines below. 

 

Management liability online quoting appetite

• Construction
• Cultural intuitions
• Manufacturing
• Personal and business services
• Professional associations
• Professional services
• Technology
• Wholesalers

 

Eligibility and availability

• No claims
• Up to $1M per coverage part available online (up to $5M with underwriter referral)
• Up to $50M in revenue for private companies
• Up to $10M in assets for nonprofit entities
• Nonprofits must be 501(c)(3) or 501(c)(6)
• Application required to issue
• Not available in AK or CA

To quote now, access TAP Sales via the link below and click on Small Commercial. 

 

Writing fidelity bonds requires specialized experience and expertise. Whether issued online in BONDirect or supported by our responsive team of dedicated crime underwriters, ����� is the right choice for your ERISA and business services bonds:

Quote and issue in real-time with BONDirect

 

 

 

 

BONDirect allows you to quote and issue most transactional ERISA bonds with limits up to $1 million and business services bonds up to $100,000 in real time and in one easy transaction. It rates, underwrites, quotes and issues a bond within minutes, enabling your agency to distinguish itself with faster, more attentive client service.

Our solutions protect against the unique crime risks faced by your clients. Unlock the Hanover advantage.