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Fidelity/Crime

Man pocketing cash

In today’s fast-paced environment, regardless of the number of controls and protections put in place, organizations are becoming increasingly exposed to criminal activity both inside and outside their organization, as well as in both the physical and digital world. Our Fidelity and Crime coverage, when combined with expert claims handling and forensic experts, can provide the much needed protection from these risks.

Target Classes

We have a broad appetite that covers a majority of industries, including but not limited to:

  • Agriculture
  • Casinos
  • Communications
  • Energy
  • Manufacturing
  • Real estate
  • Retail
  • Services
  • Wholesale trade

Generally Excluded from Appetite

  • Accounting
  • Auto dealerships
  • Placement agencies
  • Religious organizations
  • Security firms
  • Trucking/shipping high value goods

Policy Highlights

  • Discovery-based policy
  • 11 Insuring agreements, including employee theft of client property, computer fraud, data restoration coverage and claims expense
  • Automatic subsidiary coverage with 25% acquisition threshold
  • Broad definition of “employee” – including temporary, permanent, full-time, part-time, seasonal, contractors and more
  • Worldwide coverage territory
  • “Social engineering” coverage options

Capacity

$25 million

The Liberty Difference

  • Dedicated underwriting team in Canada offering local service in both English and French
  • Responsive claims team with a strong reputation for mutual cooperation and sophistication in Canada

Why Liberty?

  • • A.M. Best Financial Strength Rating ‘A’ (Excellent); S&P rating of ‘A’ (Strong)
  • • Efficient cross-border capabilities
  • • Established Canadian market presence for over 25 years
  • • Access to Liberty Mutual’s extensive international network
  • • Local underwriting authority
  • • Local risk engineering and risk control experts
  • • In-house claims service team