United States Fire Insurance Company, part of Crum & Forster, has filed a new “Crime Coverage Part” in California, introducing a modular crime insurance product designed for public and private companies, nonprofits, condominiums, and homeowners associations.

The filing, submitted on March 17, 2026, is structured as a new program with a proposed effective date of June 15, 2026.

The product provides a broad set of crime coverages, including employee theft, premises losses, in-transit losses, forgery, computer fraud, funds transfer fraud, credit card fraud, and client theft. It also includes expense coverage tied to investigative and computer-related losses.

A key feature is flexibility. Policyholders can select individual limits and retentions for each insuring clause, allowing coverage to be tailored to specific risk exposures rather than relying on a bundled structure.

The filing also introduces multiple endorsements expanding functionality, such as fraudulent impersonation coverage, toll charge fraud, guest property coverage, and trading-related coverage options, alongside updated underwriting guidelines and a new rating plan.

From a coverage standpoint, the form reflects current fraud trends, with explicit protection for cyber-driven risks like computer fraud and funds transfer fraud, while maintaining traditional crime protections such as theft and forgery.