Coverage that protects your business.
Crime insurance customized to your business.
Every company, regardless of size, is a potential target for white-collar crime. We’ll work with you to design insurance coverage that helps you minimize risk and protects your business and your assets from theft, fraud, and forgery.
Crime Insurance for South Carolina Businesses
Protect your business from theft, fraud, and dishonest acts with a crime insurance policy built for real-world risks.
When a business handles money, property, or sensitive information, it can become a target. Criminals look for gaps. Sometimes those gaps come from the outside, and sometimes they can come from within the organization. Crime insurance helps companies stay protected from crime related losses that aren’t typically covered by commercial property insurance or other policies.
Our business insurance agents at C.T. Lowndes & Co. help business owners identify the risks that matter and compare insurance coverage options, so you can choose the right coverage for your operations.
Talk with a C.T. Lowndes & Co. agent today to get a personalized crime insurance quote for your business.
What Is Crime Insurance?
Crime insurance is designed to protect a business when theft, fraud, or dishonest acts committed by employees, vendors, or outside parties cause financial loss. A crime insurance policy can respond to criminal acts committed on your premises, through computer systems, or through social engineering attempts that trick employees into sending money.
Commercial crime insurance gives organizations a safety net when the cost of an incident exceeds what the business can absorb.
Who Needs It?
Any business that handles cash, securities, or sensitive data is exposed and can benefit from crime insurance coverage. That includes small companies, large organizations, financial institutions, and employers with teams who manage money or have access to internal systems.
Here are a few groups that are especially vulnerable:
- Businesses with employees who handle money such as deposits, payments, or financial records.
- Companies that rely on technology, where computer fraud or funds transfer fraud is a real threat.
- Firms that work with vendors or business partners who could commit fraud or cause loss.
- Financial institutions and professional service groups where employee dishonesty can lead to high-value claims.
If you’ve ever worried about employee theft, forged checks, or a wire transfer request that didn’t look quite right, commercial crime coverage can help safeguard your income and keep your operations moving.
What Does Crime Insurance Cover?
Coverage depends on the policy you choose, but commercial crime insurance typically covers:
Employee dishonesty
Protection when dishonest acts committed by employees or managers result in loss of money, property, or securities. This can include employee fraud, disappearance of cash, or misuse of access to company accounts.
Employee theft and forgery
Reimbursement for theft, forgery, and other acts committed on behalf of the business. For example, if an employee alters checks or uses company funds for personal gain.
Computer fraud
Coverage for losses involving computer systems, including hackers or insiders who commit fraud or theft using digital access.
Funds transfer fraud
Protection when criminals manipulate employees into sending money to the wrong account, often through social engineering or phishing tactics.
Social engineering fraud
Coverage for deceptive acts where criminals impersonate vendors, customers, or leaders inside your company to trick employees into making payments.
Theft of money, securities, or property
This includes theft on the premises or destruction of property during a crime.
Financial institution bonds (for banks and similar entities)
A specialized form of protection used by banks and other financial institutions when larger sums and broader risks are involved.
Your agent will walk you through exclusions and explain which acts are covered so you know what you’re buying. If there are any uncovered areas of risk, we’ll help you find the right way to protect them.
Why Work With C.T. Lowndes & Co.?
Choosing crime coverage isn’t just about checking a box. It’s about understanding how criminals operate today, where your business is exposed, and how to protect your employees, customers, and property.
Our agents take the time to understand how your business operates, who’s involved, and what could go wrong. Then we help to guide you toward coverage that fits your size, budget, and everyday risks. If a claim happens, we help you navigate that process as well.
Get a Crime Insurance Quote
For more than 175 years, C.T. Lowndes has helped South Carolina businesses get the right coverages, keeping their employees safe and protecting their business with insurance that has earned a 4.8-star customer service rating from hundreds of satisfied clients.
Talk with a C.T. Lowndes agent today for a customized crime insurance quote.
Get Started Today
As an independent agency, we are here to help you find the right Crime Insurance coverage.
Get a Quote
Crime Insurance Quote Request
As an independent agency, we are here to help you find the right coverage.
Get a Quote
It only takes a minute to get started.
- Fill out the form, we’ll be in touch.
- Review options with an agent.
- Get the coverage you need.
