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Any business or organization can be a victim of fraud, embezzlement or theft. Worse, when the offender is an employee, the crime can go undetected for years. Once discovered, the ultimate impact of the crime can be enormous. The Hanover's Fidelity and Crime solution protects all sizes of businesses and organizations against loss caused by criminal acts, including burglary, robbery, computer fraud, funds transfer fraud and the most significant — employee theft.

Target Appetite

We specialize in writing crime coverage for both private and public companies, nonprofit organizations, governmental entities and financial institutions. Our broad appetite and comprehensive portfolio of innovative and market competitive products enable us to write Fidelity & Crime coverage for almost any kind of business or organization. We specialize in:

  • Business services
  • Condominium/homeowner associations
  • Construction – specialty trade
  • Cities, towns and townships with 2,000 employees or less
  • Financial institutions – registered investment advisors, hedge funds, private equity funds, insurance companies, traditional non-bank lenders
  • Healthcare – hospitals, clinics, physician offices, outpatient care centers, medical/diagnostic laboratories
  • Human services – social advocacy organizations, business associations, professional associations
  • Hospitality – hotels
  • Manufacturing – food, soft drinks and ice, wood product, paper, printing, petroleum and coal products, chemical, plastics and rubber products, nonmetallic mineral product, appliances, transportation equipment, ship and boat building, furniture
  • Oil, Gas and Mining (excluding mining of gold, silver, copper or other precious stones or metals)
  • Professional services – architectural/engineering, design services, consulting services, travel arrangement and reservation services, advertising/public relations
  • Restaurants
  • Retail (excluding retail of alcohol, tobacco, furs and jewelry)
  • Technology – information technology, software design and development
  • Third party coverage – specifically protecting client assets

Undesirable classes include:

  • Abstract and escrow companies
  • Armored car companies
  • Currency exchanges and check cashiers
  • Equipment rental and leasing companies
  • Labor unions and local, national or international
  • Pawn brokers
  • Religious organizations
  • Stock exchanges
  • Title/escrow agents
  • Title insurance companies
  • Virtual currency exchanges

Product Offerings

Available as part of a convenient modular policy or as a standalone policy, our Commercial and Government Crime Policy provides your clients with comprehensive and affordable protection against:

  • Employee Theft
  • Forgery or Alteration
  • Inside the Premises — Robbery, Theft, Burglary
  • Outside the Premises — Theft and Robbery
  • Computer Fraud
  • Funds Transfer Fraud
  • Fraudulent Money Orders and Counterfeiting Currency

Additional policies we can offer include:

  • Excess Crime — extends crime protection, offering additional amounts of coverage than what is provided under an Insured's primary policy
  • ERISA Fidelity Bond — protects employee benefit plan assets from internal acts of fraud or dishonesty committed by the trustees or fiduciaries responsible for plan management
  • Investment Advisor ERISA — protection for employee benefit plans and their assets when under management by an Investment Advisor
  • Third-Party Off Premises — covers client off-premise property where employees provide services
  • Financial Institution Bonds — provide crime protection for insurance companies, registered investment advisors, hedge funds, banks, non-bank lenders and other financial institutions
  • Business Service Bonds

Contact Us

Contact a member of our team who can help you develop tailored management and professional lines solutions for your clients.

Jon Martin
VP, Distribution Management
MI, OH
269-240-8118
jonmartin@hanover.com

Aaron Brown
Regional Distribution Director
AZ, CA, ID, MT, NM, NV, OR, UT, WA, WY
949-202-8559
cabrown@hanover.com

Adam Bennett
Regional Distribution Director
CO, IA, IL, IN, KS, KY, MN, MO, ND, NE, SD, WI
952-484-8907
abennett@hanover.com

Jim Cramer
Regional Distribution Director
AR, KS, LA, MO, OK, TX
469-318-5153
jcramer@hanover.com

Margaret Teta
Regional Distribution Director
CT, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VT
860-597-7967
mteta@hanover.com

Shannon Juedeman
Regional Distribution Director
AL, FL, GA, MS, NC, SC, TN, VA, WV
678-230-2514
sjuedeman@hanover.com


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