Fidelity Guarantee / Commercial Crime
Protect against financial loss from employee dishonesty.
Understanding Fidelity Guarantee / Commercial Crime.
Fidelity Guarantee insurance reimburses direct financial loss suffered by the employer due to fraudulent acts of dishonesty — theft, embezzlement or forgery — committed by employees handling cash, stock or assets. For BFSI and large enterprises this often dovetails with a Bankers' Blanket Bond or Commercial Crime policy.
Employee dishonesty is statistically meaningful — especially in cash-handling, warehousing and finance roles.
What's actually inside this cover.
- Named, position-wise or blanket cover
- Audit cost extension
- Retroactive discovery period
- Pairs with BBB / Commercial Crime
- Loss of money, securities or stock from employee dishonesty
- Cost of audit to substantiate loss
Actual cover is subject to insurer wording, sub-limits, deductibles and exclusions. Please read the policy wordings carefully before concluding a sale.
How we place it.
One team — from the first conversation to the first claim.
- 01
Profile and exposure review with a Labdhi expert
- 02
Wording, sub-limit and pricing comparison across leading insurers
- 03
Cover binding with the optimal terms and add-ons
- 04
Renewal review and end-to-end claims support
When it actually pays.
Illustrative scenarios — real outcomes depend on insurer wording.
Cashier embezzles funds; cover responds for proven loss.
Warehouse pilferage collusion; blanket cover funds verified shortfall.
Why Labdhi for this?
As a licensed insurance broker, Labdhi compares wordings, sub-limits and pricing across multiple insurers, structures the policy around your real exposures, and supports you end-to-end through documentation, renewals and claims.
Is your Fidelity Guarantee / Commercial Crime cover actually enough?
Most people discover the gap in their protection at the worst possible moment — at claim time. Shield360™ is our 4-minute risk profiler that scores your insurance coverage, highlights gaps, and gives you a personalised report you can download.
- Protection Score
A single 0–100 number showing how well-covered you really are.
- Gap Analysis
Identifies under-cover across life, health, income and assets — instantly.
- Downloadable Report
Branded PDF with your scores, gaps and suggested next steps.
More in Corporate Liability, Cyber & Employee Risk.
D&O, PI / E&O, Public, Product and BBB — structured as one tower.
First and third-party cover for breach response, downtime and liability.
Statutory cover for employer liability under the Employee's Compensation Act.