Business Email Compromise Insurance
Coverage that may help when a hacked or spoofed email tricks your business into redirecting a payment — vendor impersonation, executive impersonation, and email account takeover.
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- Florida Experts
- Real Agents
- Coverage Review
- Veteran-OwnedIndependent agency
- 100+ Years CombinedCommercial expertise
- Florida-ResidentDeLand, FL office
- 24-Hour COIsMost certificates same business day
What business email compromise is
Business email compromise is a scam where a criminal poses as someone you trust — an owner, manager, vendor, or customer — and uses email to change where money goes. The message can come from a spoofed look-alike address or from a real account the attacker has taken over, which is what makes it so convincing.
The loss usually is not a hacked server. It is a believable email that says “our bank details changed” or “please wire this today,” and a staff member who acts on it in good faith.
How coverage may respond
- Vendor impersonation
A supplier’s email is spoofed or hacked and the invoice points to a new account.
- Executive impersonation
A message appears to come from the owner requesting an urgent transfer.
- Account takeover
A real mailbox is compromised and used to redirect a legitimate payment.
- Data disclosure
Staff are tricked into sharing payroll, tax, or customer information.
Read the wording, not just the price
BEC losses are often covered under a sublimited social engineering or funds transfer fraud endorsement, and many carriers require call-back verification before they pay. Whether a specific loss is covered depends on the policy wording, endorsements, sublimits, exclusions, and any verification procedures the carrier requires. First Commercial reviews those terms with you before a loss happens.
How First Commercial helps
Coverage reviewed before the loss — not after
We compare the wording, endorsements, sublimits, and exclusions that decide whether a loss like this is covered, and we look at how your business approves payments, pays vendors, and stores data. Veteran-owned, Florida-focused, and real agents answer the phone — so you understand what you are actually buying before you need it.
Talk to an agent about cyber and fraud exposure
We compare coverage, exclusions, sublimits, and fraud endorsements — not just price.
Common claim examples
- Accounting pays a “vendor” invoice that was sent from a look-alike domain.
- A hacked email thread quietly swaps the bank details on a real invoice.
- An employee receives an “urgent, confidential” wire request supposedly from the owner.
- A compromised mailbox is used to request a change to direct-deposit details.