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Commercial Crime Insurance
Protects against employee theft and fraud
Trusted by:
Policy Covers:
- Theft and embezzlement losses by employees.
- Fraudulent transfer and forgery losses.
- Robbery and burglary of business property.
Trusted by:
Pay ₹40,000* per yearand get ₹50 Lacs coverage
By clicking on "Continue", you agree to our Privacy Policy as well as our Terms of Use and Disclaimer
Commercial Crime Insurance
Protects against employee theft and fraud
Pay ₹40,000* per yearand get ₹50 Lacs coverage
By clicking on "Continue", you agree to our Privacy Policy as well as our Terms of Use and Disclaimer
Trusted by:
Policy Covers:
- Theft and embezzlement losses by employees.
- Fraudulent transfer and forgery losses.
- Robbery and burglary of business property.
Trusted by:
What is Commercial Crime Insurance?
Commercial Crime Insurance, also known as Employee Dishonesty Insurance, protects businesses from financial losses due to fraudulent acts committed by employees, such as theft, embezzlement, and forgery. It provides coverage for money, securities, and other property.
Who needs Commercial Crime Insurance cover?
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Why do you need Commercial Crime Insurance?
Why do you need Commercial Crime Insurance?
Covers employee theft losses
Provides financial protection against theft by employees.
Protects against fraud
Shields your business from various types of fraud and embezzlement.
Covers forgery and alteration
Protects against losses from forged checks or documents.
Enhances financial security
Ensures your business remains stable despite internal risks.
Essential for comprehensive risk management
Helps manage risks related to employee dishonesty effectively.
Why choose BimaKavach to protect your business?
The Power of Underwriting
Your Policy is built for your unique needs.
Best Price for Complete Coverages
You get the best price for your coverage.
24*7
Claims Support
All concerns will be addressed without delay.
Online Platform to Manage Your Bima
Your policy can be managed from anywhere.
Dedicated
Bima Expert
You get access to IRDAI-Certified Bima Experts.
Who’s this for?
What does Commercial Crime Insurance cover and exclude?
Coverages
Employee Theft
Protects against loss of money, securities, or property due to employee theft.
Forgery and Alteration
Commercial Crime Insurance covers losses from forgery or alteration of checks, drafts, or promissory notes.
Fraudulent Transfer
Protects against unauthorized electronic funds transfer by employees.
Computer Fraud
Commercial Crime Insurance covers losses from fraudulent activities involving computers.
Funds Transfer Fraud
Protects against loss due to fraudulent instructions for fund transfers.
Credit Card Fraud
Commercial Crime Insurance covers losses from employee misuse of credit cards.
Inventory Theft
Protects against theft of inventory by employees.
Counterfeit Currency Fraud Coverage
Commercial Crime Insurance covers losses from acceptance of counterfeit money.
Client Property
Protects client property in your care from employee theft.
Extortion
Commercial Crime Insurance covers losses from employee involvement in extortion.
Exclusions
Prior Knowledge of Theft
Claims are excluded if the employer was aware of the employee's dishonest acts beforehand.
Employee Acts in Collusion
Losses involving collusion with external parties may be excluded with Commercial Crime Insurance.
Inventory Shortages
General inventory shortages without proof of theft are excluded.
Government Seizure
Losses from government seizure or destruction of property are excluded.
Vandalism
Damage due to vandalism by employees is not covered under Commercial Crime Insurance.
Wage Claims
Employee claims for unpaid wages are excluded.
Losses Outside Coverage Period
Losses occurring outside the policy period are excluded with Commercial Crime Insurance.
Indirect Losses
Indirect losses, such as loss of potential income, are not covered.
Confiscation by Authorities
Property confiscated by authorities is not covered under Commercial Crime Insurance.
War Risks
Losses due to acts of war or terrorism are excluded.
Employee Theft
Protects against loss of money, securities, or property due to employee theft.
Forgery and Alteration
Commercial Crime Insurance covers losses from forgery or alteration of checks, drafts, or promissory notes.
Fraudulent Transfer
Protects against unauthorized electronic funds transfer by employees.
Computer Fraud
Commercial Crime Insurance covers losses from fraudulent activities involving computers.
Funds Transfer Fraud
Protects against loss due to fraudulent instructions for fund transfers.
Credit Card Fraud
Commercial Crime Insurance covers losses from employee misuse of credit cards.
Inventory Theft
Protects against theft of inventory by employees.
Counterfeit Currency Fraud Coverage
Commercial Crime Insurance covers losses from acceptance of counterfeit money.
Client Property
Protects client property in your care from employee theft.
Extortion
Commercial Crime Insurance covers losses from employee involvement in extortion.
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When can I Claim?
A claim under Commercial Crime Insurance can be registered in the below circumstances:
- If an employee steals money, property, or securities from your business through dishonest acts.
- Forgery or alterations in checks, drafts, or other financial documents.
- If there are unauthorised electronic funds transfers.
- If your business falls victim to social engineering fraud.
Claim what’s yours with BimaKavach
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