Frequently Asked Questions
My employee stole from the business — does commercial insurance cover that?
Standard commercial policies exclude employee theft. You need a crime policy or employee dishonesty endorsement. Fidelity bonds also cover this risk.
Someone broke into my store but nothing was taken — just damage to the door. Is that covered?
Yes. Vandalism and malicious mischief coverage (included in most commercial policies) covers damage from forced entry even if no theft occurred.
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