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Commercial Crime is on the increase and our increasing reliance on technology provides more opportunities for commercial crime to be perpetrated and go undetected for longer.

Traditional high risk / low reward crimes such as robberies and thefts, which are generally insured under a commercial combined policy, are being replaced by lower risk / higher reward crimes which exploit the same technologies that we rely on day-to-day.

Our business systems, office photocopiers and even our mundane tasks such as emails and diaries are all technology-based which means we are more vulnerable than ever to leaving the door open to criminal activity.

The Office for National Statistics put the number of incidents of fraud at 5.1 million in 2017, with 2.5 million of these falling under the Computer Misuse Act of 1990.

Click here for a quick online commercial crime insurance quote


Some of the examples of claims from the last 12 months include:

Fund Transfer Fraud – An electronic, telephone or fax instruction which purports to have been sent by the insured but which was fraudulently transmitted by someone else without the insured’s knowledge or consent, usually to authorise the transfer of funds to an unauthorised account.

Invoice Fraud – A letter posted to the insured party purporting to be from a supplier advising of a change of bank details – credible as it was on the same letterheaded paper as a genuine supplier of the insured party.

Banking Fraud – An insured party receives a phone call from their bank. The caller is able to recite recent transactions for the account which reassures the insured that the call is genuine. Over the course of the conversation the insured party discloses information that allows the caller access to their account and transfer of funds away.

A Crime Insurance policy can cover you for losses incurred from fraud (including funds transfer fraud), dishonesty, theft from the insured by anyone (whether employed by them or not), bribery, forgery and loss investigation fees.


Click here for a quick online commercial crime insurance quote


Key facts you may not know about commercial crime:

* Most corporate crime is committed by employees

* Commercial crime insurance is NOT included in most commercial property policies

* Only a handful of cyber-related crimes are covered, so it is important to take out a Cyber Liability Policy to ensure you are fully covered.

It is important to note that a Cyber Insurance policy will not cover you for all commercial crime so it is important to take out Crime Insurance as well.


Protect your business and yourself with Crime Insurance from Caunce O’Hara. Call 0333 321 1403 to speak to one of our team and to request a quote.


If you are interested in this product, this article in our blog may be of interest: 5G and the cyber security challenge


  • Competitive pricing
  • Dedicated handlers to assist with your queries
  • Documents issued instantly via e-mail
  • Access to your own claims team
  • Cover for legal defence costs and compensation bills
  • Monthly payments
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  • "I have been with Caunce O'Hara for almost 12 years now and am always very pleased with their service and customer support as well as the costs for the cover."
  • "A very helpful, kowledgable and adaptable telephone advisor enabled discussion beyond standard questions in order to secure the most approprite insurance honed to my business deeds and relevant discounts. This led to the most comptitive quote over other larger companies."
  • "Used these before then changed to another broker who could not help me with an update to my insurance. Caunce O'Hara had no problem and set up my insurance in about five minutes. Highly recommended."
  • "Insurance Renewal - Plenty of warning up front as to renewal date, requests for any changes and quote. Reminder leading to actual renewal date. New certificates available on date agreed. Can't complain at all about the service."
  • "I have automatically renewed my indemnity insurance for several years but as I have gradually reduced work commitments I needed to discuss my options prior to making a decision about renewal.
    I found the person I dealt with very helpful and knowledgeable about my options."
  • "All correspondence has always been clear and reply to questions swiftly answered. Cost is very competitive. Would definitely recommend."
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