Cyber Crime Insurance
Where cyber liability and crime coverage overlap — computer fraud, funds transfer fraud, social engineering, employee dishonesty, and forgery.
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Cyber and crime: where they meet
Cyber crime is not a single policy so much as a set of fraud exposures that two different policies can address. Knowing which one responds — and avoiding a gap between them — is the whole exercise.
A business can hold a strong cyber policy and a separate crime policy and still have a gap if, for example, social engineering sits under a low sublimit on one and is excluded on the other.
What may be addressed under cyber, crime, or both
- Computer fraud
Loss from unauthorized access to or manipulation of systems.
- Funds transfer fraud
Fraudulent or unauthorized electronic transfers.
- Social engineering
Employees deceived into sending money or information.
- Employee dishonesty & forgery
Theft by employees and forged or altered instruments.
Read the wording, not just the price
Because cyber and crime forms divide these exposures differently — with their own sublimits, exclusions, and conditions — the only reliable way to avoid a gap is to compare both. 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
- A scam invoice loss that could fall under cyber social engineering or crime.
- An employee theft that a crime policy addresses but cyber does not.
- A computer-fraud loss that overlaps both forms.
- A forged check or instrument handled under crime coverage.