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Most conventional commercial crime cover uses theft as well as specifically defined frauds and other types of loss to the policyholder's property as its starting point. This approach does not necessarily address all the scenarios which commonly occur and can lead to uncertainty and potentially gaps in your cover.

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Rather than seeking to identify and define specific categories of covered crimes, CRIMEstar:

  • Takes its trigger point from the loss you suffer as a result of any type of dishonest activity and provides the broadest based protection for this most widespread range of economic crimes.
  • Includes protection for criminal damage, extortion by detention of your employees and additional limits for your associated costs.
  • Makes no distinction between computer-based and paper-based frauds, nor does it draw any distinction between criminal damage caused to physical property as opposed to that caused to information stored on computer systems. It also covers crimes regardless of whether the perpetrators are your 'employees' or 'others'.

These innovations are key differentiators for CRIMEstar and can reduce the potential for friction in the claims settlement process.

On the coverage front, that's basically it. Using the same simple and transparent approach to policy wording which we followed in our award winning Directors' & Officers' liability insurance – DARCstar, we have created a six page CRIMEstar policy that is written on an all risks basis.

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