1
Theft of Money by Employees
Loss of cash stolen by employees – for example, a cashier diverting company funds into personal accounts.
Solutions > Fidelity Gurantee
Protect Your Business From Employee Fraud
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 employe
Employee Fraud Cover
Protection against dishonest and fraudulent staff
Theft & Embezzlement Protection
Covers money, stock, contents and assets
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.
What is Covered and Not Covered Under Fidelity Gurantee?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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.
Eligibility & Documentation
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.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
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.
APA, Insuring Happiness
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Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
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Your Health, Our Priority
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Enjoy every moment you live
“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
