CR 00 21 Commercial Crime Coverage Form (Loss Sustained Form)

An Insurance Services Office (ISO) standard form. Commercial crime coverage form that covers loss you sustain from an occurrence during the policy period and discover in time, under insuring agreements such as employee theft, forgery or alteration, theft inside and outside the premises, and computer and funds transfer fraud.

1. 06 22 edition

   Jun 2022, compared with 11 15Latest edition

   • Employee theft becomes part of a broader fidelity insuring agreement that also includes ERISA plan official dishonesty and employee theft of clients' property.

     11 15

     Not in this edition

     06 22

     “ERISA Plan Official Dishonesty”

   • Forgery coverage now includes forgery of written instruments required with credit, debit or charge cards issued to you, your employees or ERISA plan officials for business purposes.

     11 15

     Not in this edition

     06 22

     “Forgery Of Payment Card Instruments”

   • A new fraudulent impersonation insuring agreement covers loss from acting on fraudulent requests to change a client's or vendor's bank account or to transfer money or securities.

     11 15

     Not in this edition

     06 22

     “Fraudulent Impersonation”

   • Loss must now be discovered by a designated person rather than by you generally.

     11 15

     “which is "discovered" by you during the Policy Period”

     06 22

     Removed

2. 11 15 edition

   Nov 2015, compared with 05 06

   • Computer fraud is replaced by computer and funds transfer fraud, which covers fraudulent entry or change of electronic data or computer programs in a computer system you own, lease or operate.

     05 06

     “the use of any computer to fraudulently cause a transfer of that property”

     11 15

     “Computer And Funds Transfer Fraud”

   • The confidential information exclusion is broadened to cover the disclosure or use of personal information, including health information.

     05 06

     Not in this edition

     11 15

     “Confidential Or Personal Information”

   • Computer and funds transfer fraud does not cover fraudulent entries or changes made by someone with authorized access to the computer system.

     05 06

     Not in this edition

     11 15

     “organization with authorized access to that "computer system"”

   • A fraudulent instructions exclusion removes loss from an employee or financial institution acting on an instruction that proves to be fraudulent, unless covered under computer and funds transfer fraud.

     05 06

     Not in this edition

     11 15

     “Loss resulting from an "employee" or "financial institution" acting upon any instruction to”

• Edition in use: in the past 12 months, 4 companies filed the 06 22 edition.
• CR 04 11 (Guests' Property) is filed alongside it most often, in 58 of the same filings (81%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• CR 04 11Guests' Property58 filings
• CR 20 14Loss Payable58 filings
• CR 20 28Add Protective Devices or Services56 filings
• CR 25 01Exclude Designated Persons or Classes of Persons as Employees56 filings
• CR 35 24Increase Limit of Insurance for Specified Periods56 filings
• CR 25 09Include Volunteer Workers As Employees54 filings
• CR 25 10Include Volunteer Workers Other Than Fund Solicitors As Employees54 filings
• CR 35 01Exclude Specified Property54 filings
• CR 04 05Inside the Premises - Theft of Other Property53 filings
• CR 04 08Employee Theft - Name or Position Schedule53 filings