Crime Insurance protects businesses from business-related crime, including fraud, embezzlement, robbery, theft, and forgery. This policy typically covers property loss, such as cash, merchandise, and assets. Crime Insurance is an important part of a business's insurance program because Commercial Property Insurance usually exclude crime related losses.
You can purchase Crime Insurance as a standalone policy, and even customize it to which crimes it will cover. This is useful if your business is more vulnerable to certain types of crime than others. Crime Insurance is typically an option to be packaged with Business Owner's policies and Commercial Package policies, however, it may need to be specifically requested.