Review Your Employee Exposure
We review which employees handle cash, payments, stock, accounts or other company assets, together with the controls already in place.
BUSINESS & EMPLOYEE INSURANCE
Fidelity Guarantee Insurance
Protect your business against direct financial loss caused by fraudulent or dishonest acts committed by employees, including theft or embezzlement, with cover arranged around your business and required limits.
FIDELITY GUARANTEE INSURANCE
What is fidelity guarantee insurance?
Fidelity guarantee insurance protects a business against direct financial loss caused by fraudulent or dishonest acts committed by employees, including theft, embezzlement or misappropriation of money or property. Triple H compares suitable insurers and arranges cover around your employee roles, financial exposure and required limits.
Who it is for
Retailers, wholesalers, restaurants, hotels, pharmacies, manufacturers, distributors and other businesses whose employees handle cash, stock, payments, accounts or company assets.
How can fidelity guarantee cover be structured?
Fidelity guarantee cover can be structured around specific employees, job positions, selected employee groups or the wider workforce, depending on how your business manages money and assets.
Named Employee Cover
Cover for specific employees named in the policy, with an agreed limit for each person or for the group.
Position-Based Cover
Cover arranged by job role rather than employee name, such as cashier, accountant, storekeeper or finance manager.
Selected Employee Groups
Cover for defined categories of employees whose duties involve money, stock, payments, accounts or other company assets.
Blanket Employee Cover
Broader cover for the workforce without listing each employee individually, subject to the limits and terms agreed with the insurer.
Depending on the policy, fidelity guarantee insurance can cover direct financial loss caused by fraudulent or dishonest acts committed by employees, including theft, embezzlement or misappropriation of money, goods or other company property.
What can fidelity guarantee insurance cover?
- Employee Theft & Dishonesty
- Fraud & Embezzlement
- Misappropriation of Money or Funds
- Loss of Goods or Other Company Property
- Forgery, Where Covered
- Loss Involving Employee Collusion, Where Covered
How Triple H helps
We compare insurers, employee or position-based structures, limits, deductibles, discovery periods, extensions and exclusions, arrange suitable cover for your business, and handle claims with the insurer from notification through assessment and settlement.
What to compare before choosing fidelity guarantee insurance
The right fidelity guarantee policy depends on more than premium. The employees covered, insured property, limits, discovery terms and policy conditions can all affect how the cover responds.
- Insurer reputation, fidelity experience and claims settlement record
- Named, position-based, selected-group or blanket employee cover
- Definition of employee and which roles are insured
- Limits per employee or position and overall policy limit
- Deductibles or excesses applying to a loss
- Money, securities, stock and other company property covered
- Treatment of collusion, forgery and other dishonest acts
- Discovery period for identifying an insured loss
- Accounting, audit and reconciliation requirements under the policy
- Key exclusions and conditions affecting employee dishonesty claims
How we arrange fidelity guarantee insurance
We review where employee dishonesty could create a financial loss, compare suitable insurers in the Lebanese market and structures, then arrange cover around the roles and limits your business needs.
Compare Suitable Insurers
We compare cover structures, insured employees or positions, limits, deductibles, discovery periods, conditions, exclusions and premium.
Arrange the Selected Cover
We place the selected policy, confirm the employees or positions covered and make sure the agreed limits and policy terms match your business.
Keep the Cover Up to Date
We handle claims, changes and renewals as employee roles, responsibilities, limits or business operations change.
When employee dishonesty causes a financial loss
Contact Triple H as soon as suspected fraud, theft or dishonesty is discovered. We notify the insurer, help organize the evidence and manage the claim through assessment and settlement.
We help you gather the records needed to establish what happened and quantify the loss, such as accounting records, bank statements, stock records, transaction histories and internal investigation findings.
We coordinate with the insurer and any appointed loss adjuster or investigator, respond to requests for further information and follow the assessment of the dishonest act and the resulting financial loss.
We review the insurer’s response and any proposed settlement against the policy terms, limits and applicable deductible, and continue following the claim until the process is concluded.
Fidelity Guarantee Insurance FAQs
Practical answers about employee dishonesty, theft, fraud, insured employees, discovery periods, limits and what to do when a loss is suspected.
Fidelity guarantee covers financial loss caused by dishonest or fraudulent acts committed by employees. Money insurance generally covers money against risks such as robbery, burglary or loss while in transit, depending on the policy.
Cover can be arranged for named employees, particular job positions, selected employee groups or a broader workforce, depending on the insurer and how the policy is structured.
The policy can cover direct financial loss arising from acts such as theft, fraud, embezzlement or misappropriation of money or company property. The exact insured acts depend on the policy wording.
Loss involving stock or other company property may be covered under fidelity guarantee, depending on the insurer and policy wording. Before arranging the policy, we explain exactly which assets are covered, the applicable limits and whether any additional cover is needed.
Collusion between employees can be covered under fidelity guarantee insurance. Before placing the policy, we explain how the insurer treats collusion, what limits apply and how a loss involving several employees would be covered.
The claim may still be covered if the dishonest act and its discovery fall within the policy’s applicable terms and discovery period. We check this carefully when comparing policies.
This depends on the policy wording. Some policies may require the responsible employee to be identified, while cover for losses caused by unidentified employees may be available under specific terms. Before placement, we explain how this is treated and what evidence would be required.
Not usually. Fidelity guarantee is primarily designed for dishonest acts by employees. External fraud or cyber-related losses may require Crime, Cyber or another appropriate policy.
Not automatically. The loss normally needs to be supported by evidence showing that it resulted from an insured dishonest or fraudulent act rather than an ordinary accounting or inventory discrepancy.
The appropriate limit depends on how much money or property employees can access, their responsibilities, transaction values and the potential financial loss from a dishonest act. We review these exposures before comparing limits.
Preserve the relevant records and contact Triple H promptly. We notify the insurer, confirm what information is required and handle the claim on your behalf from notification through assessment and settlement.
We usually need your business activity, number of employees, the roles to be covered, the money or property they handle, required limits and details of the financial controls and checking procedures in place.
Other Business Insurance
Explore other cover that can protect your business against cyber incidents, physical asset losses and third-party liability alongside fidelity guarantee insurance.
Get a fidelity guarantee insurance quote
Tell us about your business, the employee roles you want to cover, the money or property they handle and the limits you need. We’ll compare suitable insurers in the Lebanese market and come back with clear written options.
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