Financial Assets

Lapointe uses national carriers and widely-accepted insurance forms to create a gap-free insurance program protecting your financial assets from criminal acts.

Available coverages include:

Employee Theft Coverage

Covers your money, securities and other property against loss which results directly from theft by an employee. The maximum recovery for any one loss occurrence is the limit of insurance which you select, regardless of the number of employees involved in the loss.

Depositors Forgery or Alteration Coverage

Covers loss by forgery or alteration of checks, drafts, promissory notes or similar written promises, orders or directions to pay money that are:

A) Made or drawn upon you; or

B) Made or drawn upon your accounts by someone acting as your agent, or that are purported to have been so made or drawn.

This coverage protects you against forgery losses caused by a person other than an employee.

Money Orders and Counterfeit

Currency Coverage

Covers loss resulting directly from your accepting money orders that are not paid upon presentation, and counterfeit U.S. and Canadian paper currency, in exchange for services accepted.

Public Employee Theft Coverage Per Loss

Covers your money, securities and other property against loss which results directly from theft by an employee. The maximum recovery for any one loss occurrence is the limit of insurance which you select, regardless of the number of employees involved.

Public Employee Theft Coverage

Per Employee

Covers your money, securities, and other property against loss which results directly from theft by an employee. The maximum recovery for any one loss occurrence is the limit of insurance which you select. The limit of insurance applies to each employee whether the loss is the result of a single act or a series of acts..

Theft, Disappearance and Destruction

Coverage