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🔐 Business Property Theft & Fraud

Business Property Theft & Fraud Insurance Claim: What Your Business Is Owed

Internal fraud, check forgery, computer fraud, business identity theft. Know what's covered, what's typically denied, and how to document your claim so the insurer can't lowball you.

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⚠ Informational only. Not legal advice. For legal representation, consult a licensed attorney in your state.
What's Typically Covered
  • Employee dishonesty and embezzlement
  • Forgery or alteration of instruments
  • Computer and transfer fraud
  • Money and securities theft
  • Counterfeit currency acceptance
What Insurers Commonly Deny
  • Fraud by owners or partners
  • Losses discovered after coverage lapse
  • Fraud excluded from standard commercial property
Documentation Checklist
Gather these before contacting your adjuster. Missing documentation is the #1 reason claims are underpaid.
  • Forensic accounting report
  • Bank statements showing unauthorized transactions
  • Police report for criminal prosecution
  • HR records documenting discovery process
  • Signed authorization records for comparison
Frequently Asked Questions
My bookkeeper embezzled $40,000. Does my commercial insurance cover that?
Only if you have a crime policy or employee dishonesty endorsement. Standard commercial property insurance excludes employee theft. A commercial crime policy or fidelity bond is the right coverage.
Search Keywords People Use
If you found this page searching one of these terms — you're in the right place.
business fraud insurance claimemployee embezzlement insurancecheck fraud insurance claim businesscommercial crime insurance claimcomputer fraud business insurancewire transfer fraud insurancefidelity bond claimforgery insurance claim business
Business Property Theft & Fraud Claims by State
Insurance law varies. Find your state's specific rights and statute of limitations.
Business Property Theft & Fraud in AlabamaBusiness Property Theft & Fraud in AlaskaBusiness Property Theft & Fraud in ArizonaBusiness Property Theft & Fraud in ArkansasBusiness Property Theft & Fraud in CaliforniaBusiness Property Theft & Fraud in ColoradoBusiness Property Theft & Fraud in ConnecticutBusiness Property Theft & Fraud in DelawareBusiness Property Theft & Fraud in FloridaBusiness Property Theft & Fraud in GeorgiaBusiness Property Theft & Fraud in HawaiiBusiness Property Theft & Fraud in IdahoBusiness Property Theft & Fraud in IllinoisBusiness Property Theft & Fraud in IndianaBusiness Property Theft & Fraud in IowaBusiness Property Theft & Fraud in KansasBusiness Property Theft & Fraud in KentuckyBusiness Property Theft & Fraud in LouisianaBusiness Property Theft & Fraud in MaineBusiness Property Theft & Fraud in MarylandBusiness Property Theft & Fraud in MassachusettsBusiness Property Theft & Fraud in MichiganBusiness Property Theft & Fraud in MinnesotaBusiness Property Theft & Fraud in MississippiBusiness Property Theft & Fraud in MissouriBusiness Property Theft & Fraud in MontanaBusiness Property Theft & Fraud in NebraskaBusiness Property Theft & Fraud in NevadaBusiness Property Theft & Fraud in New HampshireBusiness Property Theft & Fraud in New JerseyBusiness Property Theft & Fraud in New MexicoBusiness Property Theft & Fraud in New YorkBusiness Property Theft & Fraud in North CarolinaBusiness Property Theft & Fraud in North DakotaBusiness Property Theft & Fraud in OhioBusiness Property Theft & Fraud in OklahomaBusiness Property Theft & Fraud in OregonBusiness Property Theft & Fraud in PennsylvaniaBusiness Property Theft & Fraud in Rhode IslandBusiness Property Theft & Fraud in South CarolinaBusiness Property Theft & Fraud in South DakotaBusiness Property Theft & Fraud in TennesseeBusiness Property Theft & Fraud in TexasBusiness Property Theft & Fraud in UtahBusiness Property Theft & Fraud in VermontBusiness Property Theft & Fraud in VirginiaBusiness Property Theft & Fraud in WashingtonBusiness Property Theft & Fraud in West VirginiaBusiness Property Theft & Fraud in WisconsinBusiness Property Theft & Fraud in WyomingBusiness Property Theft & Fraud in Washington DC

Is Your Claim Underpaid?

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If Your Claim Was Denied

  • Request denial in writing
  • Get the specific exclusion cited
  • File a complaint with your state commissioner
  • Consult an insurance claim attorney
  • Check bad faith law in your state

Average Claim Gap

$14,200

That's the typical difference between an insurer's first offer and the amount the policy actually supports for commercial property claims.