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For statistical purposes, many governments divide crimes into offenses against people, against property, against public order or public morality. Crimes against people (or private wrong) include assault, kidnapping, murder, and sexual attacks. Such crimes usually bring severe punishment. Crimes against property include arson, motor vehicle theft, burglary, embezzlement, forgery, fraud, larceny and vandalism (usually the list of such crimes is used by your underwriters while drawing up your policy of insurance). In most cases, these crimes bring lighter penalties, than do crimes against people. Crimes against public order or morality include disorderly conduct, gambling, prostitution, public drunkenness, and vagrancy. These offences generally involve lighter penalties than do crimes against people or property.
There are three criminal activities that are directed against the existence of the state itself: treason, sedition and rebellion. Treason is the crime of betraying a nation by acts considered dangerous to its security. Sedition refers generally to the offense of organizing or encouraging opposition to the government, especially in speeches or writing. In wartime seditious acts may often be classified as treason. Rebellion is an attempt to overthrow the government. it is reasonable that such crimes you will not find in insurance policy.
Some activities, such as gambling or prostitution, are often called victimless crimes because both the buyer and the seller take part in them willingly – this fact doesn’t sound insurance too, but I think that it’s a good conclusion.
Also I’d like to tell you about an interesting term “white-collar crime”. It refers to violations of law by persons who use their jobs to engage in illegal activities. The term covers such acts as cheating in the payment of taxes, embezzlement, and fraud. It may apply to petty thefts by employees, as well as to million-dollar stock market swindles.
Computer crime is a way to commit crime, not a type of crime. Computer crimes are difficult to detect but easy to accomplish. A lot of companies use such a «novelty» in services of insurance enterprises to  insure themselves against hacking.
Organized crime is one of the largest business enterprises in the advanced industrial societies. Gambling, drug trafficking, loan sharking, prostitution, racketeering have long been controlled by various organized crime factions.
Sometimes different crimes, such as robbery, can be foiled. In this case the robbers do not get what they came for, and they may flee empty-handed: they get away, but with no loot.
It is generally agreed that the essential elements of crime are voluntary actions or failure to act and a certain state of mind. Failing to act includes not doing something an individual is required to do by law, such as get a driver’s license before driving an automobile. The mental element in a crime is that the person committing it usually acts purposely, knowingly, or negligently.
In order to prevent crimes many criminologists stress the need for improving the performance of criminal justice agencies. One more way to reduce crime is to reform habitual criminals. There are many other ways to reduce crime. People can be educated or persuaded to take greater precautions against crime. They can be taught, for example, how to protect their homes from burglary. Better lighting and strict gun-licensing laws would greatly reduce crime, but the most effective method to secure yourself against crime is insurance!

There are a lot of different types of insurance, and in most cases in different insurance companies you will be offered standardized policies. But there are also some specific policies that will satisfy all the requirements especially for particular clients.  For example, you can insure your property against different types of crime that will be committed with respect to it. If you decide to do it, you should have at least some basic knowledge about such concepts as «crime», «legal liability» and other technical terms of law.
So, crime is a term that refers to many types of misconduct forbidden by law.
The list of acts considered crimes is constantly changing. For example, people are no longer charged with witchcraft, though many were accused of that crime earlier. In 1920s in the USA the manufacture or sale of alcoholic drinks was forbidden. Now it’s a legal job.
An act is viewed as a crime if enough evidence exists to make a police officer, a prosecutor, or a judge believe that a violation of criminal law has taken place. A person who commits any crime is called a criminal. The study of criminal behavior is called criminology and experts in this field are called criminologists. Criminologists study crime and criminals in order to determine where, when and why different types of crime occur. They also seek the relations between criminals and their victims, as well as the most effective ways to prevent crime.
By the way, people commit crimes for various reasons. It is not related to insurance itself, but these facts can help you to understand criminals (and don’t say me that it is job for criminologists ). So, for example, many people steal things they could not obtain otherwise. Others, such as drug addicts, steal to get money to buy narcotics or other things they need. Some shoplifters steal for excitement, but others do so because they are poor or sick (I mean kleptomania). Many take cars for joy-riding, but others sell the stolen cars. Many embezzlers take money from their employers to meet a personal emergency, intending to return the money. Some crimes are concerned with violence. A robber may kill the victim to avoid detection. A man may beat his wife in a rage during a quarrel. The researches show that many people who became criminals were neglected by their parents. Such treatment made them ignore the needs or rights of others. Some criminologists think that society makes people commit crimes.
Crimes are frequently classified according to their seriousness as felonies or misdemeanors. Generally, felonies are more serious than misdemeanors. Felonies are punishable by death, or by imprisonment for a year or more. Homicide, arson, rape, robbery, burglary, and larceny refer to felonies. Most people convicted of felonies serve their sentence in state or federal prisons. A misdemeanor is punishable by a fine or by imprisonment for less than a year. Among the most common misdemeanors are disorderly conduct, public drunkenness, and automobile driving violations. People convicted of misdemeanors serve their sentence in city or county jails or houses of correction.

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