Funds-transfer fraud, employee dishonesty and forgery — bound with the explicit social-engineering language that actually responds when the wire goes to the wrong account. Already appointed? Send us the account. New here? Apply for appointment below.
Crime insurance covers losses from fraud and theft against a business — funds-transfer fraud, employee dishonesty, forgery and computer fraud. It's the policy that most reliably hits the bank account when something goes wrong, and it overlaps heavily with cyber in modern claims.
Funds-transfer fraud, fake-vendor invoices, spoofed executive email and redirected wires can create material first-party loss. We review the crime and cyber forms for explicit social-engineering language, terms and limits rather than assuming a base policy responds.
Employee dishonesty remains a core exposure. Crime coverage can address theft, embezzlement and forgery by employees with system or asset access, subject to the policy's wording and conditions.
Property managers, RIAs, non-profits and law firms can hold client money. We map who owns the funds, who bears the loss and which crime, cyber or professional-liability terms may apply before relying on a generic limit.
A near-miss is a reason to read the wording before a loss. Social-engineering protection can have its own definitions, conditions and sublimits, so compare the form to the approval process and money at risk.
Wire fraud, fake-vendor invoices, CEO impersonation and email compromise — bound with explicit social-engineering coverage rather than a sub-limit.
Theft, embezzlement and forgery by employees with access to assets, accounts or financial systems — including former employees within the policy period.
Loss from forged or altered checks, drafts and other written instruments — including counterfeit currency in some forms.
Loss of money, securities or property from computer-system intrusion, plus loss from accepting counterfeit money orders or currency.
Crime covers losses to the insured's own business. Theft of customers' money typically sits with cyber liability or professional liability, depending on cause.
Crime requires loss tied to a specific theft event. Generic shrinkage with no traceable cause is excluded.
Most crime forms require discovery during the policy period — though many include a discovery extension. We bind forms that protect long discovery windows where relevant.
Crime and funds-transfer fraud sized to AUM and the dollars moving through the firm.
See the pageWire-fraud cover for closings, rent and vendor payments — the largest cyber/crime claim in real estate.
See the pageCrime cover for donor funds and finance email compromise — increasingly required by funders.
See the pageCrime with social-engineering paired with cyber and contingent BI for client and own-firm exposure.
See the pageWire-fraud and vendor-impersonation cover for construction draws and supplier payments.
See the pageCrime cover for client funds, trust accounts and finance-team email compromise.
See the pageEvery submission gets matched internally against the carrier relationships most likely to write it — not shopped blind into a dozen inboxes.
A slow market costs you the account. Matched submissions move straight to underwriting, and you're kept posted, even when the answer is no.
No 40-page form, no repeated questions. Send what you've got and we take it from there.
The same client-fund wire-fraud event can produce a crime claim, a cyber claim and an E&O claim at once. Two real rulings show why the E&O answer isn't automatic.
Cyber insurance does not automatically cover client-fund theft. Professional firms should map cyber, crime, social engineering and E&O wording together.
Accounting firms over-prepare for ransomware. The annual claim that actually arrives is tax-season fraud — fake client emails, redirected refunds, and credential theft at scale.
Apply to become an appointed Nomos Wholesale partner — same-day appetite matching, direct access to E&S and specialty markets.
Get appointedSend us the submission — we'll see what fits. We can worry about the paperwork later.