What Insurance Covers Stolen Business Money?
Commercial crime insurance may cover stolen business money through a specified grant for robbery, forgery, employee theft, or transfer fraud.
Crime policies separate losses by cause. California’s insurance department lists robbery, burglary, larceny, forgery, and embezzlement as possible crime losses depending on purchased coverage; a sample form separately names employee theft, forgery, computer fraud, and funds-transfer fraud.
Identify how the money was taken and ask which agreement and limit applies. Check whether the policy covers company funds, money held for others, and transfers made by authorized employees who were deceived.
Coverage Guides Related to Business Insurance
Sources for This Answer
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-25.
- 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.