Crime / Employee Dishonesty.

Crime and Employee Dishonesty Insurance for Startups

Internal fraud, embezzlement, and social engineering attacks are among the fastest-growing financial losses for startups. Crime insurance covers direct financial losses from dishonest acts by employees, contractors, and third parties — including fraudulent wire transfers triggered by business email compromise (BEC), which has become one of the most common and costly vectors targeting early-stage companies.

How OnePark Risk Helps

Crime coverage typically enters a startup's program as part of the post-Series-A bundle: once institutional capital is on the balance sheet, boards and auditors expect controls around who can move money — and insurance behind those controls. It is commonly placed alongside D&O and fiduciary liability in the management-liability package added after a priced round. As startups rapidly scale their teams, integrate payment systems, and steward investor capital, financial crime exposure grows. OnePark Risk structures Crime policies with computer fraud, funds transfer fraud, and social engineering endorsements that address the specific attack vectors targeting high-growth technology companies. We also review your internal controls to identify coverage conditions you need to satisfy to keep claims payable.

Crime Coverage for Startups

• Employee theft of company funds, securities, or property
• Forgery and alteration of checks or financial documents
• Computer fraud and unauthorized wire transfers
• Business email compromise and social engineering losses
• Client property in your care, custody, or control
• Vendor fraud and invoice manipulation schemes