Crime Insurance from Top Carriers

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What is Commercial Crime Insurance?

Commercial Crime Insurance is a type of business insurance that protects business owners from employee or third-party theft, dishonesty, robbery, burglary, forgery, and computer fraud.

As technology continues to develop and integrate itself into more businesses operations, small business owners are becoming more and more susceptible to fraud involving computers. While many businesses have strong internal controls, there’s always a possibility of these controls being breached by third parties or employees. Commercial Crime Insurance is your way to protect your small business from this.

Who Needs Commercial Crime Insurance?

Commercial Crime Insurance is important for every small business, but is especially important for businesses that deal with cash, checks, credit cards and other online payment systems.

What does a Commercial Crime Policy (Data Breach & Cyber Liability) Typically Cover?

Commercial Crime Insurance can be written as a separate package or it can be written with your commercial package policy. Crime insurance isn’t automatically covered in a commercial package policy without specifying its inclusion.

Having a standalone Commercial Crime Policy is an advantage because it allows customers to customize the coverage for their specific needs. Having the crime policy included in their commercial package is beneficial to some because it’s easier to manage in that there is only one comprehensive policy.

To ensure that customers have a Commercial Crime Insurance plan that suits their specific needs, there are many options available.

A Commercial Crime Policy typically covers:

  • Fidelity: Commercial crime coverage for ERISA fidelity, employee theft, employee theft of client property, or direct lost from damage or destruction to securities, money, or other property.
  • Alteration or Forgery: Coverage for an altercation or forgery of a negotiable instrument that resulted in a monetary loss and that was created or drawn by the owner, or drawn on the owner’s account, or created by an employee acting as an agent.
  • On Premise: Protection against direct loss from destruction or damage to money or securities located on the premises and caused by robbery, theft, or safe burglary.
  • In Transit: Protection against direct loss of securities or money caused by disappearance, theft, destruction or damage while in transit outside the policy holder’s premises and while in custody and care of an armored vehicle or messenger.

Our Process


Work with an Expert Who Knows Your Industry

O’Kane & Tegay Insurance Brokers takes the guesswork out of choosing the right commercial crime policy for your small business. We connect you to an industry specialist, which means you’ll talk to someone who spends their whole day helping organizations like yours.

Need to update your policy? No problem. Reach out to your agent at any time and enjoy the quick response you need as a 21st-century business owner, paired with service so friendly and helpful it feels like a throwback.

Our team stays up to date on the latest insurance laws and coverage changes, so you can rest easy knowing you’ll get the right coverage for the work you do.


Get Quotes from the Country’s Top-Rated Insurance Companies

As an insurance broker, O’Kane & Tegay’s role is to give you access to policies from the best insurance companies in the country. Whether you need Commercial Crime Insurance, or Cyber Liability, Errors and Omissions, or Business Income Insurance to comply with state laws, you can find it here.

We’ve already helped more than hundreds of organizations protect their community. Discover why they consistently rate us 4.9 out of 5 stars.


Select Your Quote

Have questions about the pros and cons of your quotes, our experts are here through every step of the process. Making sure you get the right coverage for the best price. We help keep your business safe.

Call 415-242-8777 Monday – Friday: 8 AM – 5:30 PM PST

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Happy Customers

Thanks O’Kane & Tegay! I’ve been a happy customer for a few years and have always appreciated the good rates. I’m also very impressed with their friendly, quick and efficient customer service. I highly recommend you call or visit these guys if you need a new insurance policy or want a better rate and/or better service.

Brian B.

A friend of mine refered me to these guys for an event I was planning here in San Diego. Yes they are in San Francisco and I am in San Diego. I can not begin to tell you how easy this was. I dont understand insurance and I dont want to understand insurance. They helped me feel at ease from start to finish. Fast easy affordable. I never thought that existed when dealing with insurance before now. Great job and thanks for the help!

Doof R.

Grab-N-Go- Information

Top 5 Crime Risks for
Business Owners
  • Computer Fraud
  • Employee Theft
  • Robbery
  • Forgery
  • Dishonesty
Real Talk About Commercial
Crime Insurance

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