A BOP can be topped up with crime-style coverages. They come as additional or optional coverages, usually with low limits.

Employee dishonesty: pays for dishonest acts of employees, acting alone or in collusion with others. It does not cover dishonest acts of the named insured or a partner. So a cashier who works with an outside friend to empty the register is covered, but a partner who takes money from the business is not.

Money and securities versus burglary and robbery: - Money and securities is the broad, special-form option: theft, disappearance and destruction of money and securities at the premises, at a bank, and in transit between them. - Burglary and robbery is the named-perils option: it needs forced entry, or force or threat of force. A deposit bag that simply vanishes on the way to the bank fits money and securities, not burglary and robbery. Money is not covered as business personal property.

Forgery or alteration: forged or altered checks and similar promises to pay that are issued by the insured, or by someone impersonating the insured. Money orders and counterfeit money: bad money orders, and counterfeit money accepted in good faith in exchange for goods or services.