A commercial crime coverage form is a standardized schedule of property and fidelity risks, often including employee dishonesty, forgery, and computer fraud. It is usually written as part of broader insurance policies or endorsements.
Why the form matters
Different forms define what “crime” means, who is covered, and what proof is required. The wording controls when internal losses are in scope and what deductibles or waiting periods apply.
Claims administration
Forensic accounting, surveillance, and loss history are core to claim evaluation. Notice timing is critical; delays can invalidate coverage depending on policy wording.