Product background
Commercial burglary and theft covers commercial property loss from burglary, theft, forgery, counterfeiting, fraud, and off-premises exposures, including crime or fidelity program components.
These filings help compare how carriers treat employee theft, money and securities, computer fraud, funds transfer fraud, forgery, inside and outside premises coverage, discovery periods, and proof-of-loss duties.
What forms make up a commercial crime and fidelity policy
An ISO commercial crime and fidelity policy is built from coverage forms, a declarations page and endorsements. The coverage forms filed by the most carrier groups are CR 00 21 Commercial Crime Coverage Form (Loss Sustained Form) (edition 06 22, filed by 28 carrier groups), CR 00 23 Commercial Crime Policy (Loss Sustained Form) (19) and CR 00 25 Government Crime Coverage Form (Loss Sustained Form) (18). CR DS 01 Crime And Fidelity Coverage Part Declarations is the declarations page. Widely filed endorsements include CR 25 01 Exclude Designated Persons Or Classes Of Persons As Employees (25), CR 04 01 Employee Theft Of Clients' Property (24), and CR 25 09 Include Volunteer Workers As Employees (24).
All ISO CR formsCommercial crime and fidelity forms by insurer
Common filing signals
- Commercial crime, burglary, theft, fidelity, and forgery coverage forms
- Employee theft, computer fraud, funds transfer fraud, money and securities, and premises endorsements
- Discovery period, cancellation, valuation, inventory shortage, and exclusion provisions
Rate impact
| State | Filings | Avg |
|---|---|---|
| LA | 19 | -19.4% |
| MA | 14 | -19.3% |
| MO | 12 | -12.8% |
| NY | 9 | -13.0% |
| GA | 8 | -17.5% |
| VT | 8 | -15.0% |
| HI | 7 | -17.4% |
| IN | 7 | -13.7% |
| Carrier | Avg | Filings |
|---|---|---|
| Chubb Limited Group4 states | -19.2% | 4 |
| Fcci Mutual Insurance Group8 states | -19.0% | 8 |
| Munich RE Group13 states | -18.3% | 13 |
| AXA Insurance Group3 states | -17.9% | 3 |
| Fairfax Financial Group20 states | -17.6% | 21 |
| OLD Republic Group7 states | -17.1% | 7 |
| Everest Reins Holdings Group8 states | -16.8% | 8 |
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Mar 11, 2026 | Sentry Insurance Group | ND | Commercial Crime | -53.6% | -53.6% |
| Dec 19, 2025 | Western National Mutual Group | ND | Commercial Crime | -40.8% | n/a |
| Dec 19, 2025 | Western National Mutual Group | ND | Commercial Crime | -37.3% | n/a |
| Mar 12, 2026 | Sentry Insurance Group | NH | Commercial Crime | -34.7% | -34.7% |
| Apr 22, 2026 | Sentry Insurance Group | MA | Commercial Crime | -32.1% | 0.0% |
| Dec 19, 2025 | Western National Mutual Group | ND | Commercial Crime | -30.4% | n/a |
| Oct 27, 2026 | OLD Republic Group | AL | ISO Commercial Crime and Fidelity | -29.6% | -29.6% |
| Jun 18, 2026 | Fcci Mutual Insurance Group | GA | Commercial Crime | -29.6% | -29.6% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Commercial Crime Platinum Protection Filing | Fairfax Financial Group | New | 1 | Nov 10, 2026 |
| ERISA Bond Refresh | Zurich Insurance Group | Revised | 1 | Nov 9, 2026 |
| Travelers Wrap 2.0 Identity Fraud and Kidnap and Ransom Application Filing 2026-01-0745-App | Travelers Group | New | 5 | Nov 5, 2026 |
| - Gsec-Gspr - ISO Commercial Crime | American Financial Group | Other | 28 | Nov 2, 2026 |
| Executive Risk Crime - Initial Filing | Swiss RE Group | New | 19 | Nov 2, 2026 |
| Multiline Comm Ag Operations | Nationwide Corporation Group | Revised | 3 | Nov 2, 2026 |
Top carriers
Top states
Insurance forms library
Form programs
Form examples
- CR DS 01: Crime And Fidelity Coverage Part Declarations (Commercial Entities
- CR DS 02: Commercial Crime Policy Declarations
- CR 04 08: Employee Theft – Name Or Position Schedule
- CR 04 01: Employee Theft Of Clients' Property
- CR DS 05: Commercial Fidelity And Forgery Policy Declarations
- CR 20 33: Excess Over Underlying Insurance