Coverage
What is insured, what is specifically excluded, and which extensions are optional?
Business insurance · Crime
Fidelity Guarantee Insurance Guide
Fidelity guarantee insurance may help address certain direct losses caused by dishonest acts of employees, subject to policy definitions, discovery periods, limits, controls and exclusions. It is not a guarantee against every internal loss.
In brief: Fidelity guarantee insurance may help address certain direct losses caused by dishonest acts of employees, subject to policy definitions, discovery periods, limits, controls and exclusions. It is not a guarantee against every internal loss. Best Care is presented as a brokerage; any solution must be confirmed through verified authorisation, provider appointment, underwriting and final policy wording.
At a glance
A practical way to prepare for the conversation.
Employee dishonesty exposure
Cash, stock and payment vulnerabilities
Discovery and notification requirements
Internal-control failures
What it can include
Possible features to discuss. Availability and scope depend on the selected policy.
- Selected protection connected to employee dishonesty exposure
- A policy basis that addresses cash, stock and payment vulnerabilities
- Limits or extensions relevant to discovery and notification requirements
- Optional elements related to internal-control failures where specifically accepted
Limitations to check
Important conditions should be explained near the benefit—not hidden in the fine print.
- The schedule must identify whether employee dishonesty exposure is an insured event, extension or exclusion
- Cash, stock and payment vulnerabilities can involve separate limits, excesses, waiting periods or definitions
- The policy may distinguish discovery and notification requirements from internal-control failures
- Accurate disclosure, controls and prompt notification remain material to the underwriting and claims process
Before you request a quote
Useful information to have ready.
Start with high-level facts. Do not submit sensitive identity, financial or claim evidence through an initial web enquiry.
- Employee numbers and financial duties
- Stock, cash and payment processes
- Audit and reconciliation controls
- Prior discovered losses or incidents
Compare carefully
Questions that reveal the substance behind a quote.
A useful comparison does more than compare premiums. Put the relevant limits, excesses, key exclusions, claims conditions and service steps side by side before accepting a policy.
Cost at claim time
Which standard or additional excesses could apply, and are they manageable?
Conditions
Which disclosures, valuations, security steps or maintenance duties must be met?
Claims process
Who must be notified, how quickly, and what evidence could be needed?
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Browse the full FAQWhat is fidelity guarantee insurance?
Fidelity guarantee insurance may help address certain direct losses caused by dishonest acts of employees, subject to policy definitions, discovery periods, limits, controls and exclusions. It is not a guarantee against every internal loss. Best Care is presented as a brokerage; any solution must be confirmed through verified authorisation, provider appointment, underwriting and final policy wording.
Which fidelity guarantee insurance risks should be compared first?
Start by comparing how the wording deals with employee dishonesty exposure, cash, stock and payment vulnerabilities and discovery and notification requirements. Then review the limit, excess, exclusions, policy basis and any specialist conditions attached to internal-control failures.
What information usually matters for a fidelity guarantee insurance quote?
A useful starting pack covers employee numbers and financial duties, stock, cash and payment processes, audit and reconciliation controls and prior discovered losses or incidents. A provider can request further risk-specific information before any quote is considered.
What evidence can matter after an event involving fidelity guarantee insurance?
Preserve the relevant records for employee dishonesty exposure and cash, stock and payment vulnerabilities, notify the insurer or broker promptly, and follow the policy’s event-specific instructions before assuming costs are recoverable. The actual evidence requirement depends on the wording and incident.
How does fidelity guarantee insurance relate to other cover?
This guide focuses on employee dishonesty exposure. Related exposure such as discovery and notification requirements or internal-control failures may sit under a different policy section, extension or standalone product. The schedule and definitions should be compared together.
Can Best Care guarantee fidelity guarantee insurance?
No. Best Care is presented as a brokerage, not an insurer. Any assistance, availability, recommendation or placement must be confirmed against verified authorisation, provider appointment, underwriting and final policy documents.
Educational information only. It is not personal financial advice and is subject to policy wording. Best Care’s exact legal status, authorisation and product appointments must be confirmed before publication.
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