Fidelity Guarantee.

Discovery-based policies cover losses discovered during the policy period, regardless of when they occurred. Loss-sustained policies cover losses that occur and are discovered within a defined timeframe.

Extended reporting or discovery periods can be included to cover losses that happened during the policy period but only discovered after the policy period, subject to policy terms and conditions.

Limits are based on transaction volumes, asset values, number of employees, control environment and fraud exposure. We assess your operations to recommend appropriate limits.

Many Fidelity Guarantee policies cover collusion between employees, but wording varies. We ensure this exposure is clearly addressed where relevant.

No. External fraud is typically covered under Crime insurance. Please speak to our brokers to understand the difference.

Yes. Robust controls, segregation of duties and audit processes improve insurer confidence and can result in broader cover and more competitive terms.

We structure cover around your internal processes, negotiate specialist terms with insurers and support you through claims to ensure swift, practical outcomes.