Call Us: 0333 321 1403

  1. Home
  2. /
  3. Business Insurance
  4. /
  5. Commercial Crime Insurance

Insure your business against ever more sophisticated crime

Easy and quick crime insurance for businesses

Get your quote

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.


Our business insurance policies include:

Call one of our award-winning team today on 0333 321 1403 for a quotation and to discuss your business insurance needs or click to get a quick online quote in minutes!

Click here for a quick online small business insurance quote

Complete your cover

Make sure your business is completely protected. We can also cover you for:

  • Professional Indemnity Insurance

    Professionals should have confidence in their work, but we all know that mistakes can happen. Don’t let those mistakes ruin your freelance career with the support of comprehensive professional indemnity insurance. We offer nine choices of cover from £50,000 to £5m to protect you if a claim is made against you for a mistake that happened as a result of your work which caused your client a financial loss.
    Click here for a quick quote

  • Business Combined Insurance

    In addition to PI insurance, you can further protect your business with our business combined insurance. This package offers great value, with complete coverage for your business in one simple bundle, including:

    • Public liability insurance for £1 million, with the option to increase to £5m, if you have to visit client premises or they visit yours.
    • Employers’ liability insurance for £10 million, covering you for claims from employees for injury or illness during their employment.
    • Office contents insurance up to £5,000 to protect your office contents, computer equipment and furniture against accidental damage and theft, with optional insurance for portable equipment.
    • Directors’ and officers’ liability insurance from £250,000 if you’re held personally responsible in claims against your business by creditors, employees, customers or regulatory bodies like HMRC.

    Click here for a quick quote

  • Tax Enquiry & Legal Expenses Insurance & Contract Review

    Protects your business against the costs of legal action taken against you, including contract disputes, debt recovery, tax, VAT and HMRC investigations. £100,000 cover for just £75 a year.
    IR35 Contract Reviews available for only £60.00 per contract when you purchase this policy.
    Click here for a quick quote

  • Public Liability Insurance

    Up to £2m cover for legal fees and damages if one of your employees causes injury or damage to your customers or their business.
    Click here for a quick quote

  • Personal Accident, Sickness & Travel Insurance

    24 hours a day protection (not just while you’re at work) to cover you in case of a work accident or sickness caused by your work. Prices start from only £36.44 a month for £50,000 of cover.
    Click here for a quick quote


  • 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
4.8/5 4.85/5
  • "All correspondence has always been clear and reply to questions swiftly answered. Cost is very competitive. Would definitely recommend."
  • "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."
  • "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."
  • "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."
Read more reviews

Get in touch

Give us a call and tell us all about your indemnity requirements.

0333 321 1403

We're here for you Mon - Fri 8:30am - 5:30pm

Can't get through right now? Request a callback

Call me back

Latest Posts