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Companies handling and/or transporting cash and valuables need comprehensive insurance cover to protect against the many perils of operating in such a high-risk environment.

Placing insurance programmes with limits ranging from US$150,000 to US$2.5 billion per loss

ATM Insurance and Cash-in-Transit

Huge values are stolen every year around the globe from secure logistics companies and ATM service providers, both by external attackers and by employees. Operating in such a high-risk environment means that quality insurance protection from a reputable insurer is highly valued. Having a competitively-priced policy that responds quickly and effectively to claims can provide peace-of-mind as well as a competitive advantage.

Marsh has a record of handling the largest and most complex claims. We have designed cutting-edge policy wordings which provide the broad coverage, including a written commitment to a claims-handling timeline, which ensures claims are dealt with promptly by insurers.

We are well known and respected in the industry and in the insurance market for our expertise in this sector. We understand the exposures you face and can help you obtain comprehensive insurance coverage. The size and quality of our portfolio enables us to create intense competition in the insurance market for your business.

Cash and Valuables in Transit (CVIT)

This insurance product is for companies that handle and/or transport valuables, including cash, diamonds and jewellery, precious metals, and securities. The breadth of cover is broad, recognising your liability for any type of physical loss or damage to cash or valuables that you are responsible for, whether in transit, in storage, or while being processed.

Our aim is to provide you with cover as wide as the liability you accept under contract with your customers. There are a limited number of exclusions, such as war and terrorism (except for transits), radioactive, chemical, and biological risks.

ATM Insurance Coverage

This insurance product is suitable for financial institutions and ATM service providers that wish to insure the ATM operations they are responsible for.

The coverage is broad and includes all risks of physical loss or damage to the cash contained in ATM, damage to the ATM itself, and liability for third-party property damage following an attack on an ATM. There are a limited number of exclusions, typically war, terrorism, radioactive, chemical, and biological risks.

Further enhancements available include:

  • Contingent coverage for cash handled by security companies:
    Typically, security companies are relied on to deliver, store, and process the cash required to run the ATM network, and they will usually offer insurance for any losses that are their responsibility. There are, however, a number of scenarios where a security company’s insurance will not respond, and the ATM insurance policy can be extended to promptly reimburse you when this is the case.

  • “Jackpotting” cover:
    A common method of stealing cash from ATMs developed in recent years involves reprogramming the ATM to dispense all the cash contained in its cassettes. Marsh's ATM insurance can be extended to cover this peril.