Who it is for
- Businesses with staff handling cash or stock
- Organizations with finance, warehouse, or inventory teams
- Employers seeking protection against dishonest acts by insured employees
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Fidelity Guarantee
Cover for loss of money or stock, up to stated limits, resulting from proven fraud by an insured employee within the stated period.
An advisor can help you confirm the limits, terms, conditions, and exclusions that apply to your situation.
General Insurance/Business
Enquire about cover What this cover can help address.
Use this summary as a starting point. A policy's full terms, limits, exclusions, and conditions should guide the final decision.
- Employee fraud exposures
- Loss of money or stock
- Protection subject to stated limits and timeframe
Speak with our team about arranging this cover and the information needed.
Enquire about coverCover highlights
- Loss of money due to proven employee dishonesty
- Loss of stock caused by insured employee fraud
- Named employee or blanket employee arrangements where available
Helpful documents
- Employee role or schedule information
- Limit of guarantee required
- Internal control and audit information where requested
- Loss history involving fraud or dishonesty
Know what to keep ready before there is a loss.
Claims guidance
Report suspected employee fraud promptly, preserve records, avoid destroying audit trails, and provide investigation, accounting, employment, and police documents where required.
Important limitations
- Fraud must be proven according to the policy requirements.
- Losses outside the insured period or above stated limits may not be covered.
- Weak controls or undisclosed prior issues can affect underwriting and claims.
Common questions about Fidelity Guarantee.
What does Fidelity Guarantee Insurance cover?
It helps protect a business against covered loss of money or stock caused by proven fraud or dishonesty by an insured employee.
Is Fidelity Guarantee the same as burglary insurance?
No. Fidelity Guarantee focuses on employee dishonesty, while burglary insurance focuses on theft after forcible entry or attempted break-in.