Theft by the people you trusted, which property insurance does not cover.
Crime cover responds to theft by your own staff, funds transfer fraud and social engineering — and provides the dishonesty bond many care and cleaning contracts require by name.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What crime and employee dishonesty businesses actually need.
Employee dishonesty
Theft of money, securities or property by your own staff.
Without it — Property policies exclude employee theft, so the most common internal loss is uninsured.
Funds transfer and social engineering fraud
Money sent because someone was deceived into sending it.
Without it — A convincing invoice or a spoofed instruction moves real money with no recovery.
Third-party dishonesty
Theft by your staff from a client’s home or premises.
Without it — Home care and cleaning contracts require this bond, and the loss lands on you either way.
Where crime and employee dishonesty shows up.
- Auto Services
Parts theft and till shortages by staff are a routine loss nobody plans for.
- Retail
Till shortages and employee theft are a persistent retail loss that no other line touches.
- Janitorial & Cleaning
A theft allegation against a crew member with keys is the claim this trade actually faces, and clients ask for the bond by name.
- Assisted Living & Residential Care
Resident funds handled by staff are the exposure licensing asks about, and a dishonesty bond is often named in the contract.
- Allied Health & Therapy Practices
Staff working unsupervised inside clients’ homes and rooms is a theft allegation exposure as much as a theft one.
- Concierge & Private Duty Nursing
Jewellery, watches, cash and valuables in a hotel suite make theft allegations against staff a live risk, and the amounts are not small.
What crime and employee dishonesty operators ask us.
A contract asks for a dishonesty bond. Is that this?
Yes, in nearly every case. Home care agencies, cleaning companies and anyone whose staff work unsupervised in someone else’s property are routinely asked for one, and it is the third-party dishonesty section of a crime policy that provides it. Send us the contract wording and we will match the form and the limit to what it actually asks for.
Is social engineering fraud covered as standard?
Often not, or only at a much lower sub-limit than the rest of the policy. It is the fastest-growing loss in this category and the one most likely to be capped, so it is worth checking the sub-limit rather than the headline number.