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Inner Turmoil

An employee crime spree? Make sure you're covered.

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This story appears in the September 2002 issue of Entrepreneur. Subscribe »

If a stranger breaks into your and takes cash or property, your will probably cover it. But what if an employee steals from you? Most business insurance packages include employee dishonesty coverage, but it may not be enough.

The limit on employee dishonesty coverage in most standard policies is $25,000. That's a drop in the bucket if your bookkeeper embezzles several hundred thousand dollars. James T. Harrison Jr., president of Insurance School-Continuing Education Inc. in Tallahassee, Florida, has this advice:

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