Crime Insurance That Safeguards Your Business From the Inside Out
At Combs & Company, our crime insurance coverage is built to protect what most commercial policies leave exposed: internal and external threats like employee theft, embezzlement, computer fraud, wire transfer schemes, and forgery. We understand how vulnerable businesses can be to financial crimes—and how devastating those losses are if not properly insured. With 20+ years of experience and clients across every industry, we craft coverage that aligns with your specific risk profile, giving you peace of mind and protection when you need it most.
Whether you’re a small business owner or managing operations for a growing company, crime doesn’t always come from where you expect it. That’s why we take a smarter, more proactive approach—so your insurance can keep up with the evolving risks you face.
Your protection starts with a conversation. Our experts are ready to help you find the right coverage that fits your life and goals. Book an Appointment Today!
Why Crime Insurance Is Critical for Every Business Today
Crime insurance is not just about worst-case scenarios—it’s about staying ahead of the real-world threats that traditional commercial insurance often doesn’t cover. Your business may already have property or liability coverage, but those policies typically exclude financial losses from criminal activity like internal fraud or third-party scams.
At Combs & Company, our crime insurance helps fill that gap. It’s an essential tool to protect your business from the growing and increasingly sophisticated risks that come from both inside and outside your organization.
This type of policy typically covers:
- Employee theft and embezzlement
- Forgery and alteration of checks or financial documents
- Computer fraud and social engineering schemes
- Funds transfer fraud (including wire fraud)
- Theft of money or securities by outsiders
- Credit card fraud

The impact of even a single uncovered incident can be devastating. With crime insurance in place, you’re protecting your bottom line, your operations, and your reputation.
What Does Crime Insurance Cover That Other Policies Don’t?
While most commercial property and general liability policies protect against physical damage or bodily injury, they typically do not cover financial crimes. That’s where crime insurance comes in—covering direct financial losses due to dishonest or criminal acts, whether they’re committed by trusted employees or external fraudsters.
At Combs & Company, we tailor your crime insurance coverage to include protections like:
- Loss of funds due to employee dishonesty
- Reimbursement for financial manipulation, including forged documents
- Coverage for wire transfer fraud (a rapidly growing threat)
- Protection against losses from cyber-enabled theft of funds
- Options for social engineering fraud coverage

Every business is different. That’s why we take time to understand how you operate, where your vulnerabilities lie, and which threats are most likely to affect your specific industry.
Who Needs Crime Insurance the Most?
If your business handles cash, sensitive financial information, banking access, or trust-based roles—it’s at risk. But crime insurance isn’t just for banks or large corporations. Every organization is vulnerable.
You’ll especially benefit from crime insurance if you:
- Have employees handling money or financial records
- Use wire transfers or electronic payments
- Work with third-party vendors or contractors
- Store client payment info or banking data
- Have experienced fraud or near-miss attempts before
- Want to comply with client contract requirements or investor expectations
Our clients span industries—from restaurants and retail to startups and nonprofit organizations. The common thread?
Smart business owners who understand that internal and cyber-based threats are real—and increasingly sophisticated.
What Is Crime Insurance?
Crime insurance is a specialized policy designed to protect businesses from financial losses due to criminal acts. This includes theft, fraud, embezzlement, forgery, and cybercrime—especially when those losses are not covered by your general liability or property insurance.
At its core, crime insurance gives you financial protection when:
- An employee commits theft or embezzlement
- A cybercriminal manipulates a wire transfer
- Someone forges a company check or financial document
- Your business is targeted by scams or fraud from external sources

Without crime insurance, these losses fall entirely on your shoulders. With it, you have a strong layer of protection and a partner (that’s us) helping you navigate the aftermath.
How Does Business Crime Insurance Work?
Business crime insurance works by reimbursing your company for direct financial losses due to covered criminal acts. When an incident occurs, you file a claim documenting the loss and the nature of the crime. Once validated, your insurance policy helps recover the stolen or lost funds, up to your coverage limit.
At Combs & Company, we simplify this process from the start:
- We work with you to assess your risk exposure
- We tailor a crime insurance policy that aligns with your unique vulnerabilities
- If an incident occurs, we support your claim process with clarity and guidance
- We help you explore risk-mitigation strategies to prevent future losses

Our hands-on approach ensures you’re never alone when dealing with complex or unexpected losses.
Why Choose Combs & Company for Crime Insurance?
There’s no one-size-fits-all policy for criminal risk—and that’s exactly why Combs & Company exists. We’ve worked with more than 15,000 clients across the U.S., offering nuanced, industry-specific solutions that go beyond the basics.
Here’s what sets us apart:
- Deep Expertise in Commercial Risk: Our brokers understand the complex financial threats today’s businesses face.
- Tailored Coverage Design: We don’t believe in off-the-shelf policies. We build custom crime insurance coverage based on your actual exposure.
- Educational Approach: We help you understand exactly what your coverage includes, how it protects you, and where gaps may exist.
- Responsive, Human Support: We’re not just brokers—we’re your partners in managing risk, growth, and peace of mind.

When you work with Combs & Company, you’re not just checking a box—you’re building smarter protection for your business's future.
FAQs About Crime Insurance
What types of crimes are covered under crime insurance?
Crime insurance typically covers a wide range of financial crimes, including employee theft, embezzlement, forgery, funds transfer fraud, and cyber-enabled financial manipulation. Coverage may vary based on your policy, but its goal is to protect against direct financial losses caused by dishonest or criminal acts.
Is crime insurance the same as cyber liability insurance?
No, they’re different but sometimes complementary. Cyber liability insurance covers costs related to data breaches, such as legal fees and customer notification. Crime insurance, on the other hand, covers direct financial losses—like stolen funds—resulting from fraudulent activities, including cyber-enabled fraud like phishing or wire transfer scams.
Do small businesses really need crime insurance?
Yes—perhaps even more than large enterprises. Small businesses are often more vulnerable because they may have fewer internal controls, making them easier targets for both internal and external threats. Crime insurance helps small businesses recover from losses they may not be able to absorb on their own.
What happens if an employee steals from my company?
If you have crime insurance in place and the theft is a covered event, your policy can reimburse your business for the stolen funds. The process typically involves providing documentation and proof of the crime to your insurer. At Combs & Company, we guide you through this process to ensure you receive the support and resolution you need.
How do I get a crime insurance policy for my business?
The first step is a consultation with our team at Combs & Company. We’ll assess your business’s unique risks, explain your coverage options clearly, and craft a crime insurance policy that protects you from known and emerging threats. We make the process transparent and easy, so you can focus on running your business—not worrying about fraud.
Protect Your Business From the Unexpected
You can’t always prevent criminal activity—but you can be prepared for it. With a tailored crime insurance policy from Combs & Company, you can rest easier knowing your financial assets are protected from the inside out.

Schedule a free consultation today to get started. Let’s protect what you’ve built—smarter.
Contact Us for a
Discovery Meeting
Vision Benefits - Website Form
Ready to Protect What Matters Most?
Whether it’s your business, family, or future, we’ll guide you toward smarter coverage decisions. Peace of mind is just a click away.
OR CALL US NOW AT:
FOLLOW US ON SOCIAL MEDIA:
REVIEWS
Reviews from Our Customers
If you don't know insurance, know your broker (TM)
Experience the difference Combs & Company brings to your insurance portfolio. We don’t sell insurance — we build solutions that meet your requirements today, tomorrow, and on into the future. Our teams simplify insurance so you can make informed choices and be confident in your coverages. Businesses and individuals have been benefiting from our expertise for more than 20 years; contact us to experience what really makes us unique.
Contact Us for an Initial Discovery Call
Discuss your needs with one of our experts to build an insurance solution right for you.
SEND US A MESSAGE
