Crime Insurance PolicyCrime Insurance Policy

Crime Insurance Policy

  • Introduction
  • What’s covered?
  • Policy Features
  • Why Choose HDFC ERGO?

Commercial Crime Insurance Policy

White collar crime is a reality in today’s business world. And the best protection against this threat is a strong system of internal controls allied with the robust, comprehensive coverage provided by HDFC ERGO Crime Insurance.

What's Covered?

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Employee Theft Coverage

Loss of money, securities or other property by theft or forgery by an identifiable employee of the Insured.

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Premises Coverage

Losses from destruction, disappearance, wrongful abstraction or computer theft of money or securities from the Insured’s premises by third parties.

 

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Transit Coverage

Losses from destruction, disappearance, wrongful abstraction of money or securities outside the Insured’s premises by a third party, while being conveyed by the Insured, an armored motor vehicle company or any person authorised by the Insured.

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Depositors Forgery Coverage

Losses from instruments such as cheques fraudulently drawn on the Insured’s accounts by a third party.

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Computer Fraud Coverage

An extension to cover losses sustained by the Insured due to computer fraud by a third party including cover for expenses incurred by the Insured due to a computer violation

What's Not Covered?

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Losses due to war, civil war, insurrection, rebellion, revolution, military action or governmental intervention or expropriation

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Losses caused or contributed to by the theft or fraud of the Insured’s partner

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Reproduction Cost

Loss involving the cost of reproducing any information contained in lost or damaged manuscripts, records, accounts, etc.

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Expenses incurred by the Insured in establishing existence or amount of any covered loss.

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Policy Features

Four insuring clauses with a computer fraud extension available to those who qualify backed by an aggregate limit of Liability.

The policy can be terminated by written notification in accordance with the terms and conditions

Broad definition of “employee”, including cover for temporary personnel hired from an agency.

Employee benefit plans coverage available.

Superseded deductible cover: If a loss is partly covered by HDFC ERGO and partly under a prior policy and the prior insurer has applied a deductible, then the deductible HDFC ERGO applies will be reduced by the amount of the previous insurer’s deductible.

Coverage for prior losses available provided that the Insured purchased prior, continuous and uninterrupted Fidelity or bond insurance policies from a previous insurer

Coverage available for operations in designated territories

Premium demand ends on assessment of the risks based on information provided by the organisation

Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need 24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.
Why HDFC ERGO?

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements endlessly. By providing wide range of plans for every portfolio.
Why HDFC ERGO?

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.
Why HDFC ERGO?

Awards

We have received the ICAI Award of the Year and excellence in financial reporting for the year FY: 18-19.
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements endlessly. By providing wide range of plans for every portfolio.

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.

Awards

We have received the ICAI Award of the Year and excellence in financial reporting for the year FY:18-19.
Awards & Recognition
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