Enquire Business Insurance
Fidelity Guarantee
Protect Your Business From Internal Fraud
Protection against covered losses resulting from dishonest acts by employees or other insured persons.
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Cover options
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Underwriters
24/7
Claims support
Quick overview
It covers financial loss your business suffers from dishonest or fraudulent acts — theft, fraud, and misappropriation of money or property — by employees and, depending on the policy, other insured persons.
Why it matters
Why Is It Important?
Internal fraud can be difficult to detect and may continue for some time before the loss becomes apparent. The financial impact can be substantial, particularly for businesses handling large amounts of money or valuable assets.
Most dishonesty losses are internal
Businesses trust their employees, partners, and contractors every day. Theft or fraud within the organisation can cause significant financial loss, particularly where large amounts of money or valuable assets are handled.
Often hard to detect
Internal fraud can continue for some time before the loss becomes apparent, and the financial impact can be substantial by the time it is discovered.
Who it's for
Who this cover is for
- Banks, saccos, and microfinances
- Retailers and cash handlers
- Companies with financial staff
- NGOs and institutions relying on volunteers
- Any business with employees or contractors
Cover options
Your cover options
Choose the option that matches your needs. Exact terms, limits, and extensions vary by insurer and policy.
01
Employee Dishonesty
Covers loss caused by dishonest or fraudulent acts of employees.
02
Partners & Contractors
Can extend to dishonest acts by partners, contractors, volunteers, and other authorised persons.
03
Computer Fraud
Covers losses from fraudulent acts carried out using your computer systems.
Protection
What this cover protects against
What applies to your policy depends on the cover level you choose and any extensions added.
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Employee theft
Money or stock stolen by a member of staff.
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Fraud
Deliberate deception that causes the business a financial loss.
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Dishonest acts
Other dishonest conduct by an insured person in the course of their duties.
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Misappropriation
Business money or property taken or used without authority.
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Computer fraud
Fraudulent acts carried out using your computer systems, where included.
Key benefits
What you get with the cover
Internal Risk Covered
Protection against losses caused by employees, partners, contractors, or volunteers you trust.
Simple to Arrange
Straightforward cover sized to your workforce and risk.
Part of a Risk Package
Often added alongside money and business property cover.
Add-ons
Optional extensions
Extra layers of protection you can add for an additional premium. Availability varies by insurer.
Business Property Extension
Adds cover for plant and machinery, stock and raw materials, finished goods held in trust, furniture, fittings, and equipment alongside your fidelity cover.
Getting covered
What you'll need
To take out cover
- Business registration documents
- Number of employees
- Employee roles and responsibilities
- Estimated payroll
- Amount of money / property handled by employees
- Internal control / security procedures
- Previous claims information where applicable
If a covered loss occurs, notify Cush or your insurer promptly and provide the required supporting documentation for assessment and settlement.
Requirements may vary depending on the insurer, type of cover, risk involved, and individual circumstances. Our team will advise you on the specific documents required for your policy.
Glossary
Common terms explained
Employee
A person under a contract of service with the insured.
Discovery Period
The time after the policy ends during which a loss can still be reported.
FAQ
Frequently asked questions.
The essentials on fidelity guarantee — what it covers, what you'll need, and how claims work. More on the FAQ page.
See all FAQsWhat does fidelity guarantee cover?
It covers financial loss caused by dishonest or fraudulent acts of employees and, depending on the policy, other authorised persons — including theft of money and goods.
Is it the same as insurance against theft by outsiders?
No. Fidelity guarantee specifically covers dishonesty by people covered under the policy, which is excluded from most standard property policies.
Who typically buys it?
Banks, saccos, microfinances, retailers, and any business where employees, partners, or contractors handle money or stock.
Does fidelity guarantee cover contractors and volunteers, not just employees?
Yes — depending on the policy, cover can extend to dishonest acts by partners, contractors, volunteers, and other authorised persons, not just employees.
Flexible cover
Sized to your workforce and exposure
Cover is set to the number of people covered, the money and property they handle, and your internal controls. Protect your business against the financial impact of employee dishonesty with Cush Insurance Agency.
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