Fidelity Guarantee

Coverage for financial
losses caused by
employee fraud

Security against employee’s fraudulent activities

About the Policy

The policy provides coverage for losses incurred to the insured in the case of fraudulent or dishonest activities conducted by the insured’s employee(s). It covers claims based on each employee, thus optimising the coverage received.

Important details


  • Coverage against financial loss suffered by the insured as a result of fraud/dishonesty of employees.
  • Compensation for actual financial loss sustained as a result of the dishonest/ fraudulent acts of the employees.
  • The loss is payable up to the limit specified for the employees.

Refer to the policy wordings for further details.


  • Suppression of fact affecting the risk at the time of effecting the policy.
  • Any change in the circumstances or conditions of the said employment without the consent of the company.
  • Loss arising outside India.
  • Loss due to non-observance or relaxation of system of checks and precautions.
  • Loss by an act committed subsequent to an earlier act of dishonesty/fraud and which had come to the notice of the insured/insured's representative/supervisor.
  • More than one claim in respect of liability/loss arising out of an individual employee's acts.

Refer to the policy wordings for further details.

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