Unfortunately, crime is an age-old art whose contemporary craftsmen pose a significant threat to a company's financial health and future. Theft, larceny, embezzlement, misappropriation, computer fraud, forgery, payroll impropriety - dishonest acts such as these are committed against public and private companies every day, resulting in billions of dollars in losses each year.

Coverage Highlights:

• Separate insuring agreements for Employee Dishonesty, Depositors Forgery, Burglary, Robbery, Computer Fraud, Wire Transfer coverage
• Worldwide coverage
• Automatic coverage for ERISA Employee Benefit Plans
• Definition of employees to include part time, temporary and student workers
• Coverage of an insured's assets, including money, securities and other property
• Coverage for theft of open stock merchandise

K & R Coverage

Many large companies and their executives face a number of serious threats from a variety of sources including: Kidnappers and extortionists, disgruntled employees, animal rights and environmental extremists and hostile competitors. Without question, the most significant threat is that posed by extremists and terrorists with radical agendas, whether in the United States or overseas.

Coverage Highlights:

• Kidnap / Ransom Coverage
• Extortion, Bodily Injury and Property Damage
• Detention
• Accidental Death / Dismemberment
• Recall / Destruction Expenses
• Business Interruption
• Infant Abduction Extension