What Insurance Covers Invoice Fraud?
Crime coverage may apply to fake invoices when social-engineering or funds-transfer wording covers the employee’s payment and the fraud method.
A fake supplier invoice, altered bank details, and an unauthorized instruction sent directly to a bank are different fraud patterns. Chubb describes vendor impersonation under its social-engineering endorsement; a Travelers specimen separately defines funds-transfer fraud.
Ask whether changed payment instructions and employee-approved transfers are covered, and check verification requirements and limits. A billing error or genuine supplier dispute is not automatically an insured theft.
Coverage Guides Related to Crime Insurance
Sources for Crime Insurance Answers
- Crime Terms and Conditions. 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.
- Social Engineering Fraud Insurance. Chubb; Opening; Social engineering fraud insurance coverage highlights. Accessed 2026-09-25.