What is Fidelity Guarantee Insurance?

This policy covers loss of money or goods  due to act(s) of dishonesty by your employees that causes direct financial losses to you.

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 in the following ways:

  • During uninterrupted employment of such employees
  • In connection with the occupation and duties of such employees
  • For any loss arising from fraudulent embezzlement or fraudulent misappropriation committed more than twelve months prior to the date of receipt by the Company of notice of such loss expert that in respect of loss arising from fraudelent embezzlement or misappropriation committed during the period of insurance and discovered after but within three months of the termination of this Policy or the termination of the exployment of such Employee the Employee the Employer shall be entitled to claim for any such loss which arose within the period of twelve months inmediatedly prior to the date of termination of this Policy on the date of termination of such employment whichever shall have first happened.

How much is my premium?

Your premium may vary, depending on:

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

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What we don’t cover

  • Indirect or consequential loss
  • Third party losses
  • Losses
    • Arising from extortion
    • Sustained prior to policy inception
    • Occurring 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
    • Acts of terrorism
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.
Important information

This insurance is underwritten by Tokio Marine Insurance Singapore Ltd. All benefits and features mentioned here are subject to the terms and conditions of the policy. Please refer to the policy contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only.

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