Employee Crime Insurance

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RVNA Employee Crime included coverages

RVNA Employee Crime Insurance covers three things excluded by Property/Equipment Insurance: (1) Employee dishonesty (2) Forgery or alteration (3) Theft, disappearance, and destruction of money and securities.

Employee Dishonesty
This provides protection for the loss of money, securities and other DJ, KJ or VJ equipment or property resulting directly from one or more fraudulent or dishonest acts committed by an employee, acting alone or in collusion with others.*

Forgery or Alteration
This provides protection for loss resulting from forgery or alteration of outgoing checks, drafts, promissory notes and similar instruments drawn against the Insured's accounts.*

Theft, Disappearance and Destruction
This provides protection of money and securities for loss resulting from theft, disappearance or destruction*. This coverage is divided into two parts, Loss Inside the Premises and Loss Outside the Premises, each with its own separate per loss limit.*

IMPORTANT NOTE:
If you have an employee who has ever been convicted of dishonest acts in the past, he/she will not have coverage under your crime policy. Background checks are prudent.


*up to the selected limit, subject to a per loss deductible

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Underwriter information and sample policy

The RVNA DJ, KJ and VJ insurance program is exclusively administered nationally by R.V. Nuccio & Associates Insurance Brokers, Inc. and is underwritten by an A+ rated insurance company.

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Frequently Asked Questions

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Employee Crime Insurance FAQs

Who is insured?

Employee Crime is available and useful to any DJ, KJ or VJ (with or without employees) or other individuals operating DJ, KJ or VJ owned equipment or setups. It also provides coverage for moneys that may be collected at the venue site. Because dishonest acts of employees (such as theft of all of the DJ, KJ or VJ equipment by an employee) are excluded from the property policy, Employee Crime was created to fill this coverage gap. Employee Crime has several other coverages important to any DJ, KJ or VJ operation, whether or not there are employees.

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What are the coverages?

Employee Crime includes coverage for Employee Dishonesty, Forgery or Alteration and Theft Disappearance and Destruction. When you purchase Employee Crime you will be covered for many things useful to any DJ, KJ or VJ (with or without employees) or other individuals operating DJ, KJ or VJ owned equipment or setups. Employee Crime insurance protection includes the following coverages:

Employee Dishonesty
This provides protection for the loss of money, securities and other DJ, KJ or VJ equipment or property resulting directly from one or more fraudulent or dishonest acts committed by an employee, acting alone or in collusion with others.*

Forgery or Alteration
This provides protection for loss resulting from forgery or alteration of outgoing checks, drafts, promissory notes and similar instruments drawn against the Insured's accounts.

Theft, Disappearance And Destruction
This provides protection of money and securities for loss resulting from theft, disappearance or destruction*. This coverage is divided into two parts, Loss Inside The Premises and Loss Outside the Premises each with its own separate per loss limit.


*up to the selected limit, subject to a per loss deductible

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How do I cancel coverage for a specific employee(s)?

The RVNA Employee Crime coverage contains a condition that immediately cancels any future coverage for any employee(s) upon discovery by the Insured DJ, KJ or VJ of any dishonest act committed by that employee(s), either before or after becoming an employee of the Insured DJ, KJ or VJ. This condition is common to this type of coverage. Coverage is also excluded for any employee(s) for whom similar prior insurance has been canceled.

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Where is coverage applicable?

The RVNA Employee Crime coverage territory of this particular policy varies with its three coverages, but in each instance does include the United States and Canada. Applicants must have an address in the United States.

Contact R.V. Nuccio & Associates, Inc. for specific territory interpretations.

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How long is the coverage for?

The RVNA Employee Crime insurance policy period is one calendar year. You can easily renew annually, using our online system.

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What is excluded?

This RVNA Employee Crime program has specific exclusions usual to this form of crime insurance. It must be understood that this is only a summary; it is not all inclusive, nor does it alter or waive any of the actual policy language. Questions regarding these exclusions, or this summary, should be directed to R.V. Nuccio & Associates Insurance Brokers, Inc. at 1.800.364.2433. There is NO coverage, or coverage is excluded for:

  1. Losses, the proof of which is dependent upon an inventory or profit and loss computation.
  2. Losses due to war, whether declared or not, war like action, civil war, insurrection, rebellion or revolution, or any related act or incident.
  3. Losses due to accounting or arithmetical errors or omissions.
  4. Moneys in coin-operated vending machines or amusement devices.
  5. Losses to property in an armored vehicle or messenger service.
  6. Losses (except money or securities) due to fire.
  7. Losses resulting from extortion.
  8. Interest, dividends, or other income resulting from a money loss.
  9. Damages of any type for which the insured is legally liable. Legal expenses are also excluded.
  10. Costs, fees, and other expenses incurred by the Insured in establishing the existence of or amount of a loss covered under this policy.
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More Questions? View general policy questions for more information
Contact R.V. Nuccio & Associates, Inc.

The information provided is only a summary of the coverage. It is not all inclusive, nor does it alter or waive any of the actual policy language. Please refer to your policy for specific coverage language.