Business insurance

Theft has an inside track. Close it.

Cover against fraud, theft and dishonesty — whether it comes from outside or from across the office.

Employee dishonesty
Theft of money & assets
Fraud & forgery

Commercial crime insurance protects your business against financial loss from theft, fraud, forgery and dishonesty — including by your own employees, which is one of the most common and damaging crimes businesses face. It covers the money, not the physical assets.

Ample arranges commercial crime cover (also called fidelity guarantee) across South Africa's leading insurers, protecting your cash, accounts and assets from internal and external crime.

What Commercial Crime covers

Employee dishonesty

Theft or fraud committed by your own staff — sadly common and often hidden for months.

Theft of money & assets

Loss of cash, stock and assets through criminal acts.

Fraud & forgery

Forged cheques, falsified records and fraudulent transactions.

Social engineering

Loss from scams that trick staff into transferring money or changing banking details.

Third-party crime

Theft and fraud committed by people outside the business.

Investigation costs

Costs of investigating and proving a loss.

Who commercial crime is for

Any business that handles money or stock
Companies with finance and payroll staff
Retailers, wholesalers and manufacturers
Businesses exposed to invoice and payment fraud

Commercial Crime FAQs

Isn't employee theft rare?

Unfortunately not — internal fraud and dishonesty are among the most frequent and costly crimes businesses suffer, often going undetected for months. Commercial crime cover exists specifically for this.

What is 'social engineering' fraud?

It's when criminals trick your staff — often by impersonating a supplier or executive — into transferring money or changing banking details. It's rising fast, and dedicated cover can respond to these losses.

How is this different from theft on my property cover?

Property cover handles physical break-ins and stolen assets. Commercial crime covers financial loss from dishonesty, fraud and forgery, including by insiders — a gap most property policies don't fill.

Does it cover cyber-enabled fraud?

There's overlap with cyber cover. Commercial crime focuses on financial loss from fraud and theft; cyber focuses on breaches and system damage. We structure both so there are no gaps.

This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.

Get a personalised quote

Let’s prove our reliable insurance cover.

Tell us a little about what you need and your dedicated broker will be in touch — usually within one business day. No bots, no pressure.

Call us0861 112 466
Email usinfo@ampleinsurance.co.za
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