Helping protect your assets and balance sheet from fraud risk

In today’s commercial landscape, businesses face escalating fraud risks—from traditional theft to sophisticated cybercrime and social engineering. These threats can result in significant financial losses, disrupt operations, and undermine profitability, regardless of a company’s size or industry. Managing the complexities of fraud risk requires a trusted risk partner. That’s where Lockton comes in. Our tailored Crime and Fidelity insurance programs help protect your assets and balance sheet from fraud-related losses, empowering you to focus on what matters most: driving your business forward with confidence.

What is Crime and Fidelity Insurance?

Crime and Fidelity insurance protects businesses from financial losses caused by crimes like theft, fraud, forgery, and embezzlement by employees or third parties. The policy will typically cover crime-related financial losses on cash, securities, and property.

Who needs to purchase Crime and Fidelity Insurance?

Crime poses a significant threat to organizations across all sectors, whether they are nonprofit, private, or public entities. Small businesses are particularly at risk, as limited resources often hinder their ability to implement robust fraud prevention measures, and auditing procedures. While financial institutions are frequently mandated to carry a financial institution bond, crime insurance serves as an essential safeguard for any business.

Employee theft.
Forgery or alteration of negotiable instruments.
Inside the premises (theft of money or property from the insured’s premises).
Outside the premises (money, securities, and covered property in transit).

Computer fraud (theft of money, securities, and covered property resulting from fraudulent access to the insured’s computer system).
Counterfeit currency and money orders.
Social engineering (also known as “impersonation fraud, which includes customer, vendor and employee impersonation schemes).