Commercial
A standard commercial crime policy includes six main coverages. Employee theft (the largest by claim count). Forgery and alteration (fake signatures on checks or contracts). Computer fraud (unauthorized funds transfers through hacked systems). Funds transfer fraud (impersonation-based wire fraud, often called CEO fraud or business email compromise). Money and securities loss inside or outside the business premises. Counterfeit currency received in good faith. Coverage limits typically range from $25,000 to $1 million per occurrence.
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