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Commercial

How much commercial crime coverage do I need?

Coverage limits should match your worst-case single-loss exposure. For most small businesses, $100,000 to $250,000 is a reasonable starting point. Higher limits make sense if you have annual payroll over $1 million (more employees means more exposure), hold client funds in trust (lawyers, accountants, property professionals), or run a business with significant inventory of high-value items. Cyber-focused crime (funds transfer fraud, computer fraud) is a fast-growing claim type, so make sure the policy includes those coverages with adequate sub-limits.

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