Crime insurance

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Key benefitsCoverage optionsRisk appetiteWhy choose DUAL?Underwriting requirements
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Specialist underwriting for commercial crime risks

Crime insurance protects businesses from financial losses due to criminal activities such as theft, fraud or employee dishonesty. It typically covers direct losses from incidents like fidelity, burglary, forgery or cybercrime.

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Key benefits

Cover for internal and external crime

Our commercial crime wording covers both fidelity and theft by a third party, including social engineering and fraud.

AA-rated capacity 

All DUAL binders are backed by trusted capacity providers with solid underlying financials. See more about our insurer partners here.

Proven claims expertise

DUAL has a dedicated claims team who will manage the claims process from the initial notification right through to resolution.

All of our claims team are legally qualified and have significant industry experience. Additionally, we engage specialist law firms and fraud investigators where needed to handle complex claims to ensure the best outcome for the insured.

Specialist legal support for complex scenarios

Specialist law firms and fraud investigators will assist with the most complex claims, where needed.

Whistleblower hotline

An anonymous, confidential, 24/7 service provided by PKF Integrity, where staff, suppliers and customers can report suspected acts of fraud.

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Coverage options

Coverage includes:

  • Fraudulent and dishonest acts by an employee
  • Theft by a third party
  • Money and tangible property
  • Counterfeiting and forgery
  • Extortion
  • Computer crime expenses
  • Care, custody and control
  • Social engineering and cyber fraud
  • Loss investigation costs
  • Public relations expenses

Exclusions

  • Confidential information
  • Consequential loss
  • Plastic cards
  • Prior knowledge
  • Profit loss and inventory computation
  • Property damage
  • Retroactive date
  • Voluntary surrender

Policy limits

Up to $10m

policy limits

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Risk appetite

Covering 1000+ occupations, we have a broad appetite for most industries and businesses – both private and public listed companies

Current insureds include

  • Manufacturers

  • White collar industries

  • Blue collar industries

  • Retail

  • IT

Outside of appetite

  • Unincorporated entities

  • Armoured motor vehicles

  • Casinos

  • Racetracks

  • Jewellers

  • Currency exchange bureaux

Why choose DUAL?

  • Built for speed

    When time is tight, speak to us. Our flat hierarchies and streamlined processes allow for fast decisions.

  • Experience counts

    26 years' of heritage in financial lines and crime insurance - and still learning all the time.

  • Quality claims handling

    Fast, efficient and fair – we design our claims processes to make life as easy as possible for you.

  • All about service

    As an independent business, always thinking long term, everyone is committed to great service. Give us a try and see for yourself.

Underwriting requirements

You’ll need to provide information on the organisation, its risk management, and legal and claims history.

The underwriting process is designed to be as streamlined and simple as possible. Using a collaborative, flexible approach, we’ll consider each risk on its own terms and work with you to find a solution.

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