Target clients

All organizations handling cash, payments, or valuable assets:

• Retailers
• Manufacturers
• Logistics/warehousing
• Hospitals/clinics
• Hotels
• Schools
• Professional services
• Tech/fintech
• NGOs, and financial institutions

Core protections

• Employee dishonesty/fidelity: theft of money, securities, or property by staff.
• Forgery & alteration: checks, payment instructions, or negotiable instruments.
• Computer fraud: unauthorized electronic entry that diverts funds or assets.
• Funds transfer fraud: fraudulent instructions to your bank.
• Robbery, safe/vault burglary, and disappearance of money/securities on premises or in transit.
• Investigation and claim preparation costs (where included).

Add-on protections

• Social engineering/impersonation (fraudulent emails or calls tricking staff).
• Client property coverage (loss of a customer’s money/property in your care).
• Vendor/supplier fraud, inventory/stock losses, and ERISA/employee-benefit plan fidelity (where applicable).
• Extended discovery period, higher limits/aggregates, and global territory/jurisdiction options.
• Policy coordination with Cyber and Directors & Officers (D&O) to avoid gaps

Results you can expect

• Protect cash flow from high-severity fraud and theft losses.
• Stronger internal controls via insurer risk recommendations.
• Smoother bank, investor, and audit compliance.
• Faster recovery with specialist claims and forensics support.