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Fidelity

We’ll cover the loose cannon in your midst

In a nutshell

You place your trust in your employees every day… After all, they’re your biggest asset. But, 1 bad apple can spoil the whole barrel. In this case, you can count on the king. King Price’s fidelity insurance covers you for dishonest and unlawful actions by employees that could harm your business’ finances or reputation.

  • Blanket basis

    You’re covered against losses involving any employee or number of employees acting together.

  • Named employee/specified position basis

    You’re covered against losses involving the person specified and named, or occupying the specified position, as stated on your policy schedule. You’re covered against financial loss, due to fraud or dishonesty of an employee (or previous employee), which results in personal financial gain for that employee. We’ll also cover the recovery of your losses.

Loss or damage to property due to or caused by

  • Any incident that occurred more than 24 months before the discovery of the loss.
  • Any incident that occurred prior to the number of years stated on your policy schedule, before the start of cover of this section.
  • Losses discovered more than 12 months prior to the cancellation of this section.
  • The dishonest, personal, financial gain of an employee, in the form of a salary or other income.
  • Consequential loss.
  • Your business partner (where they will benefit from payment under this policy), your principal, director or member (unless they're also your employee), an employee (from the time you became aware of their theft, fraud or dishonesty). Your business partner, to the extent that the partner will benefit by payment under this policy.
  • Any company or legal entity acquired during your period of cover.
  • The dishonest manipulation of, destruction of, or alteration of, any computer program, system, data or software by your insured employee, who is employed in your electronic data processing department or area.
  • Computer losses.
  • Costs of recovery.
  • Retroactive cover: No previous insurance in force.
  • Retroactive cover: Previous insurance in force.
  • Retroactive cover: Previous insurance, extended period.
  • .