DUAL Group
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Specialist underwriting for commercial crime risks
Crime insurance protects businesses from financial losses due to criminal activities such as theft, fraud or employee dishonesty. It typically covers direct losses from incidents like fidelity, burglary, forgery or cybercrime.
Key benefits
Cover for internal and external crime
Our commercial crime wording covers both fidelity and theft by a third party, including social engineering and fraud.
AA-rated capacity
All DUAL binders are backed by trusted capacity providers with solid underlying financials.
Proven claims expertise
DUAL has a dedicated claims team who will manage the claims process from the initial notification right through to resolution.
All of our claims team are legally qualified and have significant industry experience. Additionally, we engage specialist law firms and fraud investigators where needed to handle complex claims to ensure the best outcome for the insured.
Specialist legal support for complex scenarios
Specialist law firms and fraud investigators will assist with the most complex claims, where needed.
Coverage options
Coverage includes:
- Fraudulent and dishonest acts by an employee
- Theft by a third party
- Money and tangible property
- Counterfeiting and forgery
- Extortion
- Computer crime expenses
- Care, custody and control
- Social engineering and cyber fraud
- Loss investigation costs
- Public relations expenses
Exclusions
- Confidential information
- Consequential loss
- Plastic cards
- Prior knowledge
- Profit loss and inventory computation
- Property damage
- Retroactive date
- Voluntary surrender
Policy limits
Up to €10m
policy limits
€5m
Minimum attachment point for excess positions
Risk appetite
Covering 1000+ occupations, we have a broad appetite for most industries and businesses – both private and public listed companies
Current insureds include
- Manufacturers
- White collar industries
- Blue collar industries
- Retail
- IT
Outside of appetite
- Unincorporated entities
- Armoured motor vehicles
- Casinos
- Racetracks
- Jewellers
- Currency exchange bureaux
Why choose DUAL?
Built for speed
Experience counts
Quality claims handling
All about service
Underwriting requirements
You’ll need to provide information on the organisation, its risk management, and legal and claims history. Our submission requirements are:
- Commercial Crime application
- Prior cover details
- Five-year loss runs summary
The underwriting process is designed to be as streamlined and simple as possible. Using a collaborative, flexible approach, we’ll consider each risk on its own terms and work with you to find a solution.