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Flexible Management and Professional Liability Solutions

Crime Coverage

Travelers Canada Fidelity and Crime coverage helps protect your business from a wide range of exposures to crimes committed by employees and certain types of fraud committed by third parties. Our coverages offer protection from losses and claim expenses that result from credit card forgery or alteration crimes, computer fraud and theft, stealing and embezzlement, and destruction of property.

While high-profile cases of fraud, forgery and social engineering schemes carried out on a national or global scale tend to make the headlines, any size business may be a victim of commercial crimes like fraud and embezzlement, theft or destruction of property. Often, such crimes are committed by trusted employees and are perpetrated for years before being detected. Establishing internal controls and an employee tip line are important defenses against employee dishonesty, but there is no substitute for Travelers Commercial Crime insurance to protect your business.

As a business owner, it may be difficult to imagine an employee could commit such crimes at your expense. With a wide perspective on the risk and the trends and realities facing today's businesses, Travelers can help you take the right steps to ensure you are covered, leaving you free to move forward with confidence.

Who is this right for?

  • Financial Institutions 

  • Private Companies and Non-Profit Organizations

  • Public Companies

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Text, Travelers Crime Coverage

A black square rotates on a red background. It transforms into a graphic of a laptop and house. Then an arrow outside and inside the square.

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Today the risks to your company can come from anywhere-- online, offline, home, abroad, from the outside, and, perhaps most disturbing, from the inside, from the people working for you. As an employer, are you aware of how exposed you are to fraud? Theft? And more?

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In an animation, two vehicles move near a circle. Then that single circle transforms into four circles, with dozens of smaller circles in the background.

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Fraud affects organizations of all types and sizes, from small main street businesses and non-profits to multinationals and public institutions with thousands of the employees.

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Dollar signs in a row of five circles

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At least one in five cases cost companies $1 million or more, with the median loss being $130,000. A majority of victims recover nothing. In one case, an employee received an email that appeared to be from the company's CFO. The email requested a wire transfer to an overseas bank account to complete the acquisition of a small competitor.

The email stressed urgency and the need for secrecy until the acquisition could be formally announced. The employee wired $400,000 as instructed. Another email arrived requesting that a second $400,000 be wired to the same bank. Another $400,000 was sent.

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Skull and crossbones on a computer screen

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The next day when the employee called the CFO to confirm an accounting code for the payments, it was discovered that the CFO's email had been hacked and the requests were fraudulent.

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In an animation, a truck unloads near a house.

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In another case, a project manager for a construction company used company resources to perform work on the manager's home. The cost of this work was disguised as a legitimate construction project expense, submitted to the company for reimbursement, and ultimately paid to the manager. The

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A magnifying glass

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scheme was uncovered when the manager was removed from a different project due to similar billing inconsistencies. An investigation revealed that the manager's theft exceeded $500,000.

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Falling graphic icons; a person, gavel, men in ties, a heart in a hand, dollar sign, vehicle, an entire building.

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Whatever the size of your business, without the right protection, you risk losing a lot more than money-- people, lawsuits, clients, trust, business assets, possibly the whole company. With risks like these and those yet to be discovered, you need an insurance company that can help protect and prepare you for what may coming your way.

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The Travelers umbrella. Crime Coverage

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That's why Travelers crime coverage isn't a maybe but a must-have.

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travelers canada.ca.

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Talk to your insurance broker today to make sure you have the right coverage in place to help protect your business.

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Travelers Canada, 165 University Avenue, Toronto, Ontario M5H 3B9. This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of any insurance policy issued by Travelers Canada. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy provisions and any applicable law. Copyright 2021 Travelers Canada. All rights reserved. Travelers and The Travelers umbrella logo are registered trademarks of The Travelers Indemnity Company in Canada, the US and other countries. Travelers Insurance Company of Canada, the Dominion of Canada General Insurance company and St. Paul Fire and Marine Insurance Company (Canada Branch) are the Canadian licensed insurers known as Travelers Canada.

  

What’s Covered?

Travelers Canada’s crime coverage offers multiple insuring agreements to provide protection for exposures such as loss from forgery or alteration, loss of money and securities and reimbursement for claim expenses. These perils may include malicious software, such as Trojan horse programs, and spoofing.

  

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  • Travelers Canada Crime Coverage Highlights 

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© 2025 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in Canada, the U.S. and other countries. Travelers Insurance Company of Canada, The Dominion of Canada General Insurance Company and St. Paul Fire and Marine Insurance Company (Canada Branch) are the Canadian licensed insurers known as Travelers Canada.

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