The direct financial loss suffered as a result of a crime. Depending on your individual situation, a typical Crime insurance policy could provide cover for:

• Internal Crime – Financial loss as a direct result of fraud or dishonesty by employees stealing money, securities or property
• External Crime – Third party computer crime, Third party forgery and/or Third-party counterfeit
• Theft, Physical Loss or Damage – Third party permanently depriving you of money, securities or property and/or the destruction of money or securities
• Client Loss – Should your business be responsible for the care and control of clients’ money, property or securities
• Fees, Costs and Expenses – This includes Auditor fees or investigation costs to identify covered losses, Legal fees in defence of demands or claims resulting from a covered loss as well as fair and reasonable costs to restore the insured’s computers following a covered loss.