# Crime and fidelity

URL: https://insurancelawestonia.ee/tags/crime-and-fidelity/
Author: Dr Olavi-Jüri Luik, Partner, Head of Insurance Law, attorney at law (Advokaadibüroo WIDEN OÜ)

> A selection of pages on this site that deal with Crime and fidelity (17 pages): Estonian insurance law articles, guides and explanations.

A selection of pages on this site that deal with "Crime and fidelity".

- [About: Dr Olavi-Jüri Luik, insurance lawyer in Estonia](https://insurancelawestonia.ee/about): Dr Olavi-Jüri Luik, Partner, Head of Insurance Law, attorney at law at WIDEN, Tallinn: coverage, claims, D&O, cyber and crime insurance.
- [Avoiding coverage gaps in a cyber, crime and D&O programme](https://insurancelawestonia.ee/specialty-lines/handbook/coverage-gaps): Coordinating policies, harmonising definitions, the roles of broker and lawyer, documentation and a model coverage matrix to avoid gaps.
- [Crime and fidelity claims and investigations in Estonia](https://insurancelawestonia.ee/services-for-insurers/crime-and-fidelity-investigations): Crime and fidelity claims in Estonia: payment and CEO fraud, employee theft, coverage analysis, internal investigations, tracing.
- [Crime and fidelity claims in Estonia: payment and employee fraud](https://insurancelawestonia.ee/guides/crime-fidelity-claims-estonia): Invoice fraud, CEO fraud, social engineering and employee theft under Estonian law: bank liability for payments, recovery.
- [Crime insurance court cases: direct loss and computer fraud](https://insurancelawestonia.ee/specialty-lines/handbook/cases/crime-court-cases): International crime insurance case law: direct loss, computer fraud vs social engineering, sub-limits, client property and employee intent.
- [Crime insurance in Estonia: real cover or an illusion?](https://insurancelawestonia.ee/blog/2026-08-18-crime-insurance-cover-or-illusion): Luik and Alamets, Äripäev 18 Aug 2026: crime insurance can cover fraud and embezzlement losses, but cover depends on wording and management diligence.
- [Crime insurance schemes: employee fraud and invoice fraud](https://insurancelawestonia.ee/specialty-lines/handbook/cases/crime-schemes): Insurers' published crime claims examples and fraud schemes common in Estonia: fictitious vendors, embezzlement, invoice fraud and CEO fraud.
- [Cyber, crime and D&O insurance case studies](https://insurancelawestonia.ee/specialty-lines/handbook/cases): International coverage disputes, insurers' published claims examples and public Baltic incidents in cyber, crime and D&O insurance.
- [Cyber, crime and D&O insurance: interplay and boundaries](https://insurancelawestonia.ee/specialty-lines/handbook/cyber-crime-d-and-o-interaction): Which policy covers which loss, where the grey areas lie and how a loss can fall between cyber, crime and D&O policies under Estonian law.
- [D&O, cyber, crime, liability and war-risk claims in Estonia](https://insurancelawestonia.ee/specialty-lines): Counsel for insurers writing D&O, liability, crime, cyber and war risks into Estonia and the Baltics: investigations, representation, expert opinions.
- [Insurance counsel: Estonia, Latvia, Lithuania | Olavi-Jüri Luik](https://insurancelawestonia.ee/): Estonian, Latvian and Lithuanian insurance law counsel for insurers, reinsurers and MGAs; also open to Lloyd's: coverage, claims, subrogation, D&O, cyber.
- [Integrated insurance programmes: limits, layers and overlaps](https://insurancelawestonia.ee/specialty-lines/handbook/integrated-programmes): An integrated programme: primary and excess layers, per-claim and aggregate limits, sub-limits, overlaps and the wrong clause in the wrong place.
- [Investigations and expert opinions for insurers in Estonia](https://insurancelawestonia.ee/services-for-insurers/investigations-and-expert-opinions): Fact-finding for insurers in Estonia (fraud, cyber, D&O, fire cause and origin) and expert opinions on Estonian law for foreign courts and tribunals.
- [Modern risk landscape: cyber, fraud and management liability](https://insurancelawestonia.ee/specialty-lines/handbook/risk-landscape): Why property and liability cover no longer suffices in Estonia: digital dependence, social engineering fraud, NIS2 and board liability.
- [One click, cash and revenue gone: cyber insurance for businesses](https://insurancelawestonia.ee/blog/2026-11-03-cyber-insurance-ransomware-business): Ransomware, business interruption and data breaches: what cyber insurance covers, why property policies are no substitute and what to check in Estonia.
- [Services for insurers, reinsurers, MGAs, brokers and TPAs](https://insurancelawestonia.ee/services-for-insurers): Local and panel counsel in Estonia: coverage opinions, claims support, reservation of rights, subrogation, litigation, breach coach, D&O, crime.
- [Typical coverage disputes in cyber, crime and D&O insurance](https://insurancelawestonia.ee/specialty-lines/handbook/coverage-disputes): Direct and indirect loss, the notion of fraud, duties of care, intent as a narrow exclusion and pre-contractual disclosure under Estonian law.