Crime Coverage

Crime is a serious threat to small businesses. Each year, employee theft costs US companies a whopping $50 billion, and startups and small businesses often get hit the hardest.

This is why Crime insurance exists. Preventive measures can never make a business completely immune to crime – and if something does happen, executives might be looking at major losses.

Crime coverage can help mitigate those losses.

Ready to get Crime insurance for your startup?

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General Liability

Whether you’re working on your first startup or your fifth, General Liability insurance is likely the first policy you’ve seriously considered buying. That’s because General Liability is often required by landlords, partners, and clients, all of whom you’ll likely encounter early in your startup experience.

This coverage can offer important baseline protection, protecting your business assets when visitors get injured on your property or by your product, when a third party accuses you of libel or slander, or when a lawsuit results from these types of third-party damages.

General Liability


Which startups need Crime Coverage?

Crime insurance, or Commercial Crime insurance, covers things like employee theft and embezzlement, forgery, computer fraud, and funds transfer fraud.

Every industry faces different risks. A fintech startup is more susceptible to digital finance fraud than a media services startup. But if your company has data, employees, and property, you have some degree of risk for crime.

Certain factors increase that risk. If any of the following is true, you can probably benefit from Crime insurance:

  • You have five or more employees.

  • Your business processes financial transactions.

  • Your employees have access to sensitive data.

  • You hold inventory on hand.

Note: Even if you’re only working with engineering contractors right now, Vouch’s Crime insurance might be able to help you out: our coverage includes fraud committed by contractors.

Ready for some peace of mind? 
Apply for Vouch Crime Coverage today!


When should startups get Crime Coverage?

As your startup grows, your risks do too.

Once you launch your product in market, you have customer data that’s susceptible to fraud. As your team grows, it becomes harder to monitor everyone’s activity.

  • Headcount growth: More people means more risk

  • Revenue increase: Access to more money may make you more attractive to fraudsters.

  • High-value property acquisition: Bringing in new equipment – including laptops to power your growing team – could make you a target of theft.

Need coverage fast? Apply today, and you could have a policy within 24 hours.


Why should startups get Crime Coverage?

The Association of Certified Fraud Examiners’ (ACFE) most recent report found that organizations with fewer than 100 employees see the largest share of fraud cases – 28 percent. Worse, median losses are $200,000 per incident – higher than losses for any other business size.

Why are smaller companies more susceptible to fraud? Mostly because they have fewer resources to prevent and detect it, according to the ACFE.

Vouch understands this challenge and others startups face. Our Crime policy is easy to apply for and can be active in as little as 24 hours.

While a crimethat policy won’t actually prevent fraud, it can keep fraud from putting your business finances in jeopardy.

Apply today and see for yourself.


What does Crime Coverage actually cover?

Vouch’s Crime insurance policy covers losses due to crimes that fall under these categories: 

  • Employee dishonesty

  • Forgery or alteration

  • Money and securities

  • Losses that happen outside your business premises

  • Computer fraud and funds transfer

  • Counterfeit currency

An employee steals proprietary customer data. The employee sues your startup for damages. Your Crime policy can cover the associated defense costs.
An employee hacks into your payroll system to transfer funds into their own bank account. Your Crime policy can cover the losses from this theft.

Any costs resulting from a data breach aren’t covered by Crime insurance – that’s handled by Cyber insurance. In other words, if an outside party (rather than an employee) steals your customer data, you would need Cyber insurance.

Why Vouch?

Why get Crime Coverage from Vouch Insurance?

Vouch was created by founders who have experience at the helm of a startup. They know that getting the right insurance is necessary – but it can be tricky to find insurance policies that make sense for startups. That’s why Vouch’s coverage is designed specifically for startups.

For example, startups often employ engineering contractors who have access to sensitive data and therefore can increase your risk of a crime loss.

Vouch’s Crime coverage extends to crimes committed by engineering contractors, unlike many other available policies.

Plus, it’s easy and fast to apply – our application takes less than 10 minutes, and you can get covered in less than 24 hours. Apply here.

Need something other than Crime Coverage?

Still not sure how Crime Coverage can protect your startup? Curious what other policies might go well with it?

Send us an email ( and we’d be happy to help you find the coverage you need.

Our other policies
General Liability

Baseline coverage that's often required by landlords, partners, and clients.

Business Property

Can cover the cost of repairing or replacing business property like laptops.

Cyber Coverage

For hacking- and data breach-related losses.

Directors & Officers (D&O)

Protects C-suite officers and board members if they’re sued over decisions they made on the startup’s behalf.

Errors & Omissions (E&O)

for lawsuits alleging your professional work caused a financial loss.

Employee Practices Liability (EPL)

For employee lawsuits alleging discrimination or other wrongful treatment.

Fiduciary Coverage

For lawsuits alleging a breach of your fiduciary duty.

Hired & Non-Owned Auto

For when an employee drives their own car for something work-related, and an accident happens.

Questions about our coverages?

Reach out to to connect with a licensed insurance pro, call us at (415) 488-6728 during regular business hours, or chat with us in the lower right hand corner of your screen.

© 2020 Vouch, Inc. All Rights Reserved.
Insurance services provided by Vouch Insurance Services, LLC.  Descriptions are general in nature only. Please refer to the terms and conditions of any policies offered or purchased. Insurance products offered are subject to application and underwriting requirements. Not all products available in all states.  Pricing depends on a variety of factors including policyholder location.  Not all discounts available in all states.