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    Award winning business insurance broker

    Providing comprehensive business insurance for companies of all sizes since 1995. Call 0161 833 2100 today for a competitive quote.

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    Giving you peace of mind so you can thrive in your profession

    Whatever your business, we can provide the business insurance cover you need. Call 0161 833 2100 today for a competitive quote.

Commercial Crime Insurance

Commercial Crime is on the increase and our increasing reliance on technology provides more opportunities for commercial crime to be perpetrated and go undetected for longer.

Traditional high risk / low reward crimes such as robberies and thefts, which are generally insured under a commercial combined policy, are being replaced by lower risk / higher reward crimes which exploit the same technologies that we rely on day-to-day.

Our business systems, office photocopiers and even our mundane tasks such as emails and diaries are all technology-based which means we are more vulnerable than ever to leaving the door open to criminal activity.

The Office for National Statistics put the number of incidents of fraud at 5.1 million in 2017, with 2.5 million of these falling under the Computer Misuse Act of 1990.


Some of the examples of claims from the last 12 months include:

Fund Transfer Fraud – An electronic, telephone or fax instruction which purports to have been sent by the insured but which was fraudulently transmitted by someone else without the insured’s knowledge or consent, usually to authorise the transfer of funds to an unauthorised account.

Invoice Fraud – A letter posted to the insured party purporting to be from a supplier advising of a change of bank details – credible as it was on the same letterheaded paper as a genuine  supplier of the insured party.

Banking Fraud – An insured party receives a phone call from their bank. The caller is able to recite recent transactions for the account which reassures the insured that the call is genuine. Over the course of the conversation the insured party discloses information that allows the caller access to their account and transfer of funds away.

A Crime Insurance policy can cover you for losses incurred from fraud (including funds transfer fraud), dishonesty, theft from the insured by anyone (whether employed by them or not), bribery, forgery and loss investigation fees.


Key facts you may not know about commercial crime:

* Most corporate crime is committed by employees

* Commercial crime insurance is NOT included in most commercial property policies

* Only a handful of cyber-related crimes are covered, so it is important to take out a Cyber Liability Policy to ensure you are fully covered.

It is important to note that a Cyber Insurance policy will not cover you for all commercial crime so it is important to take out Crime Insurance as well.


Protect your business and yourself with Commercial Crime Insurance from Caunce O’Hara. Contact us today on 0161 833 2100 for a quote.


Business Insurance Products

In addition to PI insurance, you can further protect your business with our business combined insurance. This package offers great value, with complete coverage for your business in one simple bundle, including:

Public liability insurance for £1 million, with the option to increase to £5m, if you have to visit client premises or they visit yours.
Employers’ liability insurance for £10 million, covering you for claims from employees for injury or illness during their employment.
Office contents insurance up to £5,000 to protect your office contents, computer equipment and furniture against accidental damage and theft, with optional insurance for portable equipment.
Directors’ and officers’ liability insurance from £250,000 if you’re held personally responsible in claims against your business by creditors, employees, customers or regulatory bodies like HMRC.

Call 0161 833 2100 today for details.

Legally required for your business, we provide £10 million cover if you have to pay compensation or legal fees because your staff get ill or injured at work. Call 0161 833 2100 today for details.

24 hour a day protection (not just while you’re at work) against personal accidents or sickness, to make sure you can keep paying the bills. Cover from £50,000 for just £35 a month. Call 0161 833 2100 today for details.

Up to £2m cover for legal fees and damages if one of your employees causes injury or damage to your customers or their business. Call 0161 833 2100 today for details.

Protects your business against the costs of legal action taken against you, including contract disputes, debt recovery, tax, VAT and HMRC investigations. £100,000 cover for only £75 a year! Call 0161 833 2100 today for details.

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