Commercial Crime Insurance

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Commercial Crime Insurance

Workplace criminal schemes can last for years and cost your organisation dearly

 Chubb’s leading crime insurance cover is designed to broadly protect your business against a wide range of exposures, and manage losses in the event of a criminal incident. Whether it’s fraud, destruction of property or cyber crime, our fraudProtector policy has got you covered. 


Chubb’s fraud protector provides cover for direct financial loss suffered due to crime. This includes:


Internal Crime

  • Direct financial loss as a result of fraud or dishonesty by employees stealing money, securities or property

External Crime

  • Third party computer crime
  • Third party forgery
  • Third party counterfeit

Theft, Physical Loss or Damage

  • Third party permanently depriving you of money, securities or property
  • Destruction or disappearance of money or securities

Client Loss

  • Where the insured is responsible for the care, custody and control of clients’ money, securities or property and such has been lost under the main cover

Fees, Costs and Expenses

  • Auditor fees or investigation costs to identify covered losses
  • Legal fees in defence of demands or claims resulting from a covered loss
  • Fair and reasonable costs to restore the insured’s computers following a covered loss

Replacement of staff and recruitment costs

Reimbursement of reasonable costs incurred for the recruitment of a replacement Employee if a Covered Person sustains a Bodily Injury while Working From Home which results in their Accidental Death or Permanent Total Disablement. Costs must be incurred within sixty (60) days of the Event and be necessary for the continuation of the Policyholder’s business.

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