Employee crime insurance
Our employee crime insurance offers ‘all risks’ protection for theft, fraud or dishonesty committed by your staff.
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Cover for staff crime that causes you direct financial loss
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Includes loss of insured property leased or hired by you for which you are legally liable
Wide range of cover available
Loss discovered basis of cover, whereby loss covered regardless of when it occurred when you insured
Flexible indemnity limits
Indemnity limits on on an 'any single loss' basis.
Run-off employee crime insurance
Cover for subsidiary companies or associated companies that no longer exist.
Employee crime insurance by Direct Debit
You can choose to pay for your cover in 10 monthly Direct Debit instalments.
What does employee crime insurance cover?
Internal employee crime insurance
Cover for theft, fraud or dishonesty committed by your employees causing you direct financial loss on an 'all risks' basis. This includes loss of insured property leased or hired by you for which you are legally liable.
Employee crime insurance with legal expenses cover
Legal expenses insurance covers for investigation, legal defence, mitigation, reinstatement of data, reputational recovery and property damage costs. It also provides compensation payments up to £500 per day for senior members of staff and £250 per day for other employees required to attend court; a barrister consultation; a legal arbitration; or a meeting with police authorities.
Cover for business interruption caused by employee crime
Cover for additional costs incurred by you to restore normal business operations, including contractual penalties that you are required to pay; loss of interest;and external recruitment costs for replacement members of staff of employees dismissed as a direct result of internal crime.
Three months cover after your policy finishes
'Discovery period' of up to three months cover can be provided after your policy ends, if you do not buy employee crime cover from another another insurer.
How do employee crime insurance claims work?
When you need to make a claim, we’ll guide you through the process and get things sorted quickly.
Find your policy documents and have your policy number ready
Call our claims team and explain what happened
Provide any requested documents or photos
We’ll handle the rest
What our customers are saying
Employee crime insurance FAQs
Wondering about something? Don't worry, Everywhen is here to help. We've put together some common questions about employee crime insurance cover to support you every step of the way.
You can add a range of optional covers to your employee crime insurance, including:
External crime – cover for theft, fraud or dishonesty committed by a third party
Care custody, and control and client loss – cover for loss of money, securities or insured property (i) not belonging to you or leased or hired by you, but which is in your care, custody and control
Outsource service provider crime – cover for theft, fraud or dishonesty committed by an outsource service provider to whom you have entrusted or given the means to obtain access to money, securities or insured property
Impairment of money and securities – cover for unexplainable disappearance of, or damage to, or destruction of money or securities whilst on the premises or whilst in transit
Corporate ID fraud – cover for fees, costs and expenses to reinstate public records, following fraudulent modification, alteration or theft of your identity by an employee or third party
Malicious damage to data – cover for the cost of reinstating data following malicious acts committed by an employee or a third party to damage, destroy, erase or delete data or insert unauthorised and corrupting or harmful software code
If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme. When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan.
We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.
If you would like to know more about our monthly payment option, please visit our dedicated direct debit page.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
This page is a summary of the employee crime policy and does not contain the full terms and conditions of the cover, which can be found in the policy document. It is important that you read the policy document carefully upon receipt for all covers, features and exceptions.
See our range of cover for businesses
Office insurance
Business premises insurance
Shop insurance
Directors and officers insurance
Commercial combined insurance
Business insurance
Employers' Liability Insurance
Commercial property owners insurance
Product liability insurance
Warehouse insurance
Public liability insurance
Cyber insurance
Employee crime insurance articles and guides
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