This policy provides protection against losses arising from fraudulent acts of employees.

Most companies generally cover against selected categories of employees such as Cashiers and Store Keepers. However in this way a lacuna is created where employees who are not covered, collude in committing the fraud, or are entirely responsible for the fraud itself. In this instance recovery is not possible. Recovery cannot be made under a burglary policy when the loss arises as a result of collusion with employees, unless it is specified in the policy.

A blanket Fidelity policy covering all members of the staff from Working Directors downwards is recommended,to provide all encompassing protection.