Although the various coverages available within a Commercial Crime policy contain their own unique conditions and exclusions, the following are common to the entire policy:
- Acts committed by the named insured and/or partners. This exclusion is intended to bar claims attributable to a business owner's dishonesty. Institutional policyholders such as religious organizations are generally protected for dishonesty arising from executive officers, directors, and other leaders, whether or not they are compensated by the organization.
- Loss resulting from seizure or destruction of property by order of governmental authority.
- Indirect loss, such as damages and costs of perfecting a claim under the policy.
- Legal expenses.
- Loss resulting from war and similar actions.