---
title: "What Insurance Covers Computer Fraud?"
description: "A crime policy’s computer-fraud coverage may pay direct property loss caused by a fraudulent computer transfer; it may not cover an employee tricked into sending money."
canonical: "https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-computer-fraud"
page-type: "faq-question"
updated-at: "2026-09-25"
faq-topic: "what-insurance-covers"
question: "what-insurance-covers-computer-fraud"
---

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## Agent Guide

**What this page is:** Direct, cited answer to the question "What Insurance Covers Computer Fraud?" within the What Insurance Covers FAQ topic.

**Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide.

**Questions this page answers:**
- What Insurance Covers Computer Fraud?

**Key facts:**
- Cites 1 numbered source listed under "Sources"; each carries a publisher and locator.

**Limits (do not over-claim):**
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**Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25.

**Related pages:**
- [What Insurance Covers FAQ](https://thegeneralaverage.com/insurance-faq/what-insurance-covers) — parent topic
- [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub
- [What Insurance Covers Wire Fraud?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-wire-fraud) — related question
- [What Insurance Covers Phishing Losses?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-phishing) — related question
- [What Insurance Covers Business Data Loss?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-data-loss) — related question
- [What Insurance Covers Employee Theft and Embezzlement?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-employee-theft) — related question
- [Crime](https://thegeneralaverage.com/coverage/crime) — related coverage guide
- [Cyber liability](https://thegeneralaverage.com/coverage/cyber) — related coverage guide

# What Insurance Covers Computer Fraud?

A crime policy’s computer-fraud coverage may pay direct property loss caused by a fraudulent computer transfer; it may not cover an employee tricked into sending money.

A Travelers specimen defines computer fraud around computer use that fraudulently causes money, securities, or other property to move from business or bank premises to an outside person or place. The specimen covers direct loss under that agreement.

An employee who follows a fake payment instruction may trigger a separate social-engineering grant or exclusion. Ask the insurer to show both definitions and confirm the limit for each; do not treat one as a substitute for the other.

## More Questions About Business Insurance

- [What Insurance Covers Wire Fraud?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-wire-fraud)
- [What Insurance Covers Phishing Losses?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-phishing)
- [What Insurance Covers Business Data Loss?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-data-loss)
- [What Insurance Covers Employee Theft and Embezzlement?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-employee-theft)

## Coverage Guides Related to Business Insurance

- [Crime](https://thegeneralaverage.com/coverage/crime)
- [Cyber liability](https://thegeneralaverage.com/coverage/cyber)

## Sources for This Answer

1. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; Insuring Agreements A.1 Employee Theft, A.3 Employee Theft of Client Property, B Forgery or Alteration, F Computer Fraud, G Funds Transfer Fraud, PDF pp.1–5; definitions E and AA, pp.7 and 10; exclusions IV.C–H, pp.14–15. Accessed 2026-09-25.

More answers: [What Insurance Covers FAQ](https://thegeneralaverage.com/insurance-faq/what-insurance-covers).

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