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Protect YourBusiness FromEmployee Fraud

Employee Fraud Cover

Protection against dishonest and fraudulent staff

Theft & Embezzlement Protection

Covers money, stock, contents and assets

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What is Fidelity Guarantee?

Fidelity Guarantee Insurance is a specialised policy that protects employers against financial loss resulting from fraudulent or dishonest acts committed by employees during the course of their employment. The policy indemnifies the employer for losses caused by employees who steal money, misappropriate funds, commit fraud, embezzle assets, manipulate financial records or abuse entrusted positions – whether acting individually or in collusion.

Highlights

  • Indemnifies your business against theft and fraud by employees.
  • Covers money, stock, contents and assets lost through breach of trust.
  • Responds to dishonesty by employees acting individually or in collusion.
  • Covers embezzlement, forgery and fraudulent financial transactions.
A business owner reviewing financial records with a trusted employee, protected by APA Fidelity Guarantee
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What is Covered and Not Covered Under Fidelity Guarantee?

Fidelity Guarantee protects your business against financial loss caused by dishonest or fraudulent employees. Toggle between the categories below to explore your cover.

1

Theft of Money by Employees

Loss of cash stolen by employees – for example, a cashier diverting company funds into personal accounts.

2

Fraudulent Financial Transactions

Forged payments, fake invoices, unauthorised transfers and manipulated accounting records.

3

Embezzlement

Deliberate misappropriation of company funds or property entrusted to employees.

4

Stock or Inventory Theft

Theft of goods, inventory, raw materials and company assets by employees.

5

Forgery & Alteration

Forged signatures, altered financial instruments and fraudulent documentation, subject to policy wording.

6

Client Funds & Electronic Fraud

Loss of client funds held in trust; some policies extend to limited employee-related electronic fraud.

Talk to a Business Advisor

Buy through any APA branch or intermediary. Find the nearest office to protect your business.

Eligibility & Requirements for Fidelity Guarantee

Eligibility Criteria
Specifications
Who Qualifies
Businesses and organisations with employees handling money, stock or assets.
Documents
Completed proposal form with declared values / sums insured.
Employee Details
Details of the positions and number of employees to be covered.
Supporting Policy
A supporting fire policy and details of your internal controls.

How to Buy APA Fidelity Guarantee?

1

Complete the Fidelity Guarantee proposal form with your declared values and limits.

2

Provide the positions, number of employees and internal controls to be covered.

3

Buy through an APA branch or intermediary (call 0709 912 777 or email info@apainsurance.org).

4

Receive your policy protecting your business against employee dishonesty.

Everything You Need, All in One Place

Access policy documents, claim forms, renewals, and important resources anytime.

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Claim Form

PDF • 1.1 MB

Terms & Conditions

PDF • 1.8 MB

Bima Bamba Insurance Brochure

PDF • 2.4 MB

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Frequently Asked Questions

It indemnifies the employer for losses caused by employees who steal money, misappropriate funds, commit fraud, embezzle assets, manipulate financial records or abuse entrusted positions – including theft of cash, fraudulent transactions, embezzlement, stock theft, forgery and loss of client funds held in trust.

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