Coverage
Crime & Theft of Client Property
Covers employee theft, forgery and funds-transfer fraud, plus theft of a patient's or client's property by your staff.
In plain language
When most owners think about crime coverage, they picture an employee embezzling funds. That's part of it. But for home health, home care and hospice agencies, crime coverage means something more.
Your caregivers spend their days alone in clients' homes, with access to medications, cash, jewelry and belongings that don't belong to your agency. If a client or family accuses a caregiver of theft, that isn't a liability claim. It's a crime claim, and it falls under a different part of your insurance than most agencies realize.
Standard commercial crime policies are written for traditional businesses, where the only risk is theft from the company itself. They often don't cover theft of a client's or patient's property. You need third-party (client property) coverage for that. Even an unfounded accusation can lead to a formal complaint and reputational damage that you need coverage to respond to.
Many state agencies, Medicaid programs and referral partners also require a fidelity bond or crime policy. We'll make sure what you carry matches the specific wording they ask for.
Typically covers
- Employee theft of your money, securities and property
- Theft of client/patient property by your employees (third-party coverage)
- Forgery or alteration of checks
- Computer and funds-transfer fraud
- Social engineering fraud (sublimit, when included)
Usually not covered
- Losses discovered after the policy ends (without an extended discovery period)
- Theft by owners (on most forms)
- Inventory shortages with no other evidence of theft
Coverage depends on the policy form, endorsements and exclusions. We confirm the details in writing before you buy.
By industry
Who we place crime for
FAQ
Crime questions
What's the difference between a bond and crime insurance?
A fidelity bond and a crime policy can serve the same purpose (protecting against employee theft) but bonds required by agencies often have specific wording. We'll place whichever your contract or license requires.
Does crime insurance cover theft from a client's home?
Only if it includes third-party (client property) coverage. It's often called “client coverage” or “employee theft of client property.” It's the most important part for in-home care.
Ready for coverage that fits how you deliver care?
Quotes in a few business days. Questions answered by Misty, not a call center.
Talk to Misty
Call or text Misty directly. You'll talk to the person who knows your account, not a call center.
- Call(435) 216-6749
- Text(435) 216-6749
- EmailMisty@snowcanyoninsurance.com
- HoursMon–Fri, 9am–5pm Mountain · Closed Sat–Sun
- MailPO Box 25, Santa Clara, UT 84765