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Business Fraud Protection Insurance

Employee fraud, ransomware attacks, and payment diversion are affecting businesses daily. Find the right commercial crime, fidelity, or cyber insurance — and get a tailored quote from a specialist.

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$150,000+

Average employee fraud loss

$50k–$200k

Ransomware attack cost (avg SME)

Tens of millions

BEC losses to businesses (2024)

Under 30%

Businesses with cyber insurance

Business Fraud Insurance Types

Select a coverage type for a detailed guide, what it covers, and how to get a quote.

Commercial Crime Insurance

Comprehensive cover for both internal and external criminal acts affecting your business.

Employee dishonesty and embezzlementComputer and funds transfer fraudForgery and alteration of financial instruments

Full guide & get a quote →

Fidelity (Employee Dishonesty) Insurance

Protect your business from the financial devastation of employee fraud, embezzlement, and theft.

Direct financial loss from employee theft or embezzlementFraudulent transfer of business fundsForged authorisation of payments

Full guide & get a quote →

Cyber Security Insurance

Protect your business from the financial impact of cyber attacks, data breaches, and ransomware.

First-party incident response and forensic investigationSystem restoration and data recovery costsBusiness interruption losses from a cyber event

Full guide & get a quote →

Social Engineering Fraud Cover

When criminals manipulate your staff into authorising fraudulent payments or transferring funds.

Funds transferred based on fraudulent instructionsPayment diversion to criminal-controlled accountsCEO/executive impersonation fraud losses

Full guide & get a quote →

Funds Transfer Fraud

Cover for losses when criminals manipulate your payment systems or deceive staff into misdirecting funds.

Direct financial loss from unauthorised electronic transfersComputer crime resulting in misdirected paymentsManipulation of accounts payable systems

Full guide & get a quote →

Browse by Business Sector

Find fraud insurance specific to your industry

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Small Business

Affordable fraud protection for SMEs

Finance & Banking

Comprehensive fraud protection for financial services firms, lenders, and payment processors.

Retail & E-commerce

Protect your retail or online store from payment fraud, refund scams, and cyber attacks.

Professional Services

Law firms, accountants, consultants

Business Insurance Providers

Insurers and brokers for local businesses

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Chubb NZInsurer

FraudProtector — purpose-built commercial crime policy

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DUAL NZInsurer

Cyber + social engineering fraud — instant online quote

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NZIInsurer

Cyber Base and Cyber Ultra — scalable cover for every business size

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Delta Insurance NZInsurer

100% NZ-owned specialist insurer — cyber liability to $10m

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