What is Fidelity Guarantee Insurance?


Fidelity Guarantee comes most of the time as a complement of your Property All Risks policy.

If with your Property All Risks insurance you are covered from burglar or theft from thirds party. This policy does not cover such act when they come from one of your employee.

Therefore, Fidelity Guarantee Insurance protects your business against the loss of money or any of your company asset which you may suffer following a fraudulent and/or dishonest by one of your staff or a group of employee.

Also, this line of insurance is known as Employee Dishonesty cover or referred as fidelity bond, crime coverage, and crime fidelity insurance.

What is covered?

Fidelity Guarantee as a stand-alone insurance policy will covers your company for:

  • Forgery
  • Alteration
  • Unauthorised electronic fund transfer
  • Credit card fraud
  • Computer fraud
  • Money order fraud
  • Counterfeit fraud

Those, in case of it has been allegedly made by an employee or a group of employees.

What should you know?

Employee Dishonesty Insurance covers a wide spectrum of fraud and theft. Therefore is is important for the insured to understand the limit and exclusion of such policy. Typically, would not be covered:

  • Errors and Omissions
  • Accounting Errors and Omissions
  • Government seizure
  • Theft and fraud by the policy holder
  • Loss of income that would not be related to damage to the Property, theft of Money or Security

Last but not least, it can be extended to cover a third party like your client if he suffers loss of Money from one of you Employee Dishonesty inside his premises.

Good to know!

Fidelity Guarantee in Hong Kong can be found as one of the section of Office/Shop package and automatically come free of charge.

Depending of your insurance company, from HKD 50,000 to HKD 100,000 per loss and in aggregate.

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