Olive Cover
AboutFree Coverage Review
Commercial crime insurance Georgia: employee theft and fraud

COMMERCIAL CRIME

Commercial crime insurance, for employee theft and fraud loss.

Commercial crime covers losses your business suffers from employee theft, third-party fraud, computer fraud, forgery, and theft of money or securities. Standard property excludes these; commercial crime is the fill.

Free Coverage Review

WHAT'S COVERED

What commercial crime covers.

Employee dishonesty (fidelity)

The core coverage. Reimburses business losses from theft, embezzlement, or fraudulent activity by employees. Covers cash, property, and other business assets. Limits typically $25K to $1M+ depending on business size and exposure.

Third-party fraud and computer crime

Fraudulent funds transfer from spoofed emails (CEO impersonation, vendor invoice fraud), computer-system fraud, social engineering schemes. Critical given increased frequency of business email compromise (BEC) attacks.

Forgery and alteration

Losses from forged checks, signatures, or altered financial documents. Covers both inside (employee) and outside (third-party) forgery.

Money and securities theft

Theft of money or securities from your business premises (inside policy) and while in transit (outside policy). Includes safe burglary, robbery, and theft from messenger.

IMPORTANT LIMITATIONS

Where commercial crime has edges.

Inventory shrinkage / unexplained losses

Inventory shortages without proven theft (e.g., math errors, shrinkage from unknown causes) are typically excluded. Coverage applies to specific identified theft events, not generic inventory loss.

Acts of executives and ownership

Theft or fraud by company executives, directors, or owners is typically excluded. Management liability (D&O) handles those exposures.

Indirect or consequential damages

Lost profits, reputational damage, or operational disruption from a crime event are typically excluded. Only the direct property/money loss is covered.

Voluntary parting (giving up property to a fraudster)

If an employee or owner voluntarily hands over money or property because of a deception, some policies exclude this. Social engineering coverage is a specific endorsement that fills this gap.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers we work with hold an A or better financial strength rating and are appointed in the state. We compare them and recommend the right fit.

CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

COMMON QUESTIONS

Frequently Asked Questions

No items found.

IN GEORGIA

How this works in Georgia

No items found.

GET STARTED

Vulnerable to employee theft or wire fraud? Commercial crime is the answer.

Commercial crime is often added as an endorsement to BOP or commercial property in our review set. Coverage Review walks through your business operations, employee count, and financial exposure to surface the right structure and limits.

Commercial crime as a standalone policy typically runs $300 to $3,000 annually for small to mid-market businesses. As an endorsement to BOP or commercial property, often $150 to $1,500. Limits scale with employee count and financial exposure. Significant additional cost for higher-risk businesses (financial services, jewelry, cash-heavy retail).

Free Coverage Review