What is Fidelity Guarantee insurance?

It covers you against any direct pecuniary loss due to dishonesty act(s) committed by your employees. 

Such acts include

  • forgery
  • embezzlement
  • larceny
  • fraudulent conversion


Coverage is not limited to loss of monies but also loss of real properties and merchandise.   

Key coverage

Here is an overview of your coverage

Fidelity Guarantee Insurance

Fidelity Guarantee Insurance

This policy covers your financial loss or loss of goods arising from fraud or dishonesty by your employees

  • During the Period of Insurance
  • During uninterrupted employment of such employees
  • In connection with the occupation and duties of such employees
  • Discovered during the
    • Period of Insurance
    • within 6 months thereafter
    • within 6 months after the death, dismissal or retirement of such employees, whichever occurs first

How much is my premium?

Your premium may vary, depending on

  • Guarantee amount
  • Number of employees insured
  • Our underwriting requirements


Download our brochures under the Product Literature

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What we don’t cover

  • Indirect or consequential loss
  • Third party losses
  • Losses arising from extortion
  • Losses
    • sustained prior to policy inception
    • discovered prior to policy inception
    • discovered subsequent to termination of policy period including the discovery period
  • Stock taking or inventory losses
  • Losses resulting from
    • ionizing radiation
    • contamination by radioactivity from nuclear fuel, nuclear waste or nuclear weapons material
  • Losses caused by acts of terrorism
Note:
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.
Important information

This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. It is In your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 30 June 2012.

Note: Take confidence in the fact that this policy will deliver the coverage that best serves your needs. You should read and understand the insurance policy, and at all times, feel free to contact us for more information.