Universal Insurance Plc. Fidelity Guarantee Insurance provides coverage against any direct financial loss sustained by the employer through acts of fraud, dishonesty, forgery or theft committed by his employees in connection with their occupation and duties.

This policy indemnifies the insured employer against all direct pecuniary losses sustained through any act or acts of fraud or misappropriation committed by the insured’s employees, discovered during the currency of the insurance or termination of employment whichever shall happen first. That is, the risk of employee’s infidelity is being transferred to the insurance company.

Specific Exclusions:

  • Lack of proper precaution and checks for securing accuracy of account.
  • Continued retention of an employee with a previous known fraud / theft case
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