What Is Crime Insurance?
Crime insurance, on the other hand, offers more extensive protection. It covers not only theft but also internal crimes such as:
- Employee dishonesty
- Embezzlement
- Forgery or alteration of checks
- Cybercrime and electronic fraud
- Inventory manipulation or skimming
For grocery store owners, especially those with multiple employees or multiple locations, commercial crime insurance helps safeguard against losses that may not be visible until it’s too late.
Want to learn more? Visit: Grocery Store Crime Insurance California
Key Differences Grocery Stores Should Know
| Feature | Theft Insurance | Crime Insurance |
|---|---|---|
| Covers external theft? | ✅ Yes | ✅ Yes |
| Covers employee theft? | ❌ No | ✅ Yes |
| Includes cybercrime? | ❌ No | ✅ Often |
| Included in BOP? | ✅ Sometimes | ❌ Usually separate |
| Useful for small stores? | ✅ Yes | ✅ Yes |
| Better for multi-location stores? | ⚠️ Limited | ✅ Yes |
If you’re unsure whether your California grocery store insurance policy includes internal or external crime protection, it’s time for a coverage review.
Which Coverage Does Your Store Need?
Both types of coverage are important—especially in retail. Theft insurance protects against external threats like break-ins, while crime insurance helps defend against internal fraud, employee misconduct, or unauthorized fund transfers.
Stores in high-traffic or high-risk areas—such as urban neighborhoods or franchise grocery chains—should consider both for complete peace of mind. Also, grocers with alcohol sales or high cash flow are particularly vulnerable to crime-related losses.
👉 Combine theft, crime, and more in one plan: Grocery Store BOP Insurance California
Final Thoughts
Theft and crime insurance may sound similar, but the difference lies in who commits the act and how it happens. As a grocery store owner, understanding both ensures you’re not left exposed to costly gaps.
At Western Insurance, we specialize in building policies that address the unique risks of food retailers across California and the USA. From shoplifting to employee theft, our tailored plans give you the protection your business needs to thrive.