CR 00 27 Government Crime Policy (Loss Sustained Form)

An Insurance Services Office (ISO) standard form. Crime policy for government entities on a loss sustained basis, covering employee theft, forgery, theft inside and outside the premises, computer and funds transfer fraud, fraudulent impersonation, and money orders and counterfeit money.

1. 06 22 edition

   Jun 2022, compared with 11 15Latest edition

   • A new Fraudulent Impersonation insuring agreement covers transfers made in good faith on instructions or account changes that an imposter posing as an authorized person, client or vendor fraudulently issued.

     11 15

     Not in this edition

     06 22

     “Fraudulent Impersonation We will pay for”

   • A new insuring agreement covers forgery of written instruments required with credit, debit or charge cards issued to you or your employees for business purposes.

     11 15

     Not in this edition

     06 22

     “Forgery Of Payment Card Instruments”

   • Loss must now be discovered by a designated person, such as a risk manager, official or officer, instead of by you.

     11 15

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

     06 22

     “which is "discovered" by a "desig”

2. 11 15 edition

   Nov 2015, compared with 05 06

   • A new exclusion removes fees, costs, fines, penalties and other expenses related to access to or disclosure of another person's or organization's confidential or personal information.

     05 06

     Not in this edition

     11 15

     “incurred by you which are related to the access to or disclosure”

   • Computer fraud now includes entries or changes made by an employee acting in good faith on a fraudulent instruction from a computer software contractor.

     05 06

     Not in this edition

     11 15

     “received from a computer software contractor who has a written agreement with you”

• Edition in use: in the past 12 months, 4 companies filed the 06 22 edition.
• CR 00 25 (Government Crime Coverage Form (Loss Sustained Form)) is filed alongside it most often, in 60 of the same filings (100%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings.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 00 25Government Crime Coverage Form (Loss Sustained Form)60 filings
• CR 20 08Convert to an Aggregate Limit of Insurance59 filings
• CR 04 08Employee Theft - Name or Position Schedule56 filings
• CR 25 09Include Volunteer Workers as Employees56 filings
• CR 25 41Include Designated Persons or Classes of Persons as Employees56 filings
• CR 25 02Include Designated Agents as Employees53 filings
• CR 25 12Include Treasurers or Tax Collectors as Employees53 filings
• CR 00 21Commercial Crime Coverage Form (Loss Sustained Form)49 filings
• CR 00 23Commercial Crime Policy (Loss Sustained Form)49 filings
• CR 00 29Commercial Fidelity And Forgery Policy (Loss Sustained Form)48 filings