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Employee Fraud & Dishonesty
Loss of business money or property resulting from fraudulent acts of insured staff members.
Solutions > Fidelity Guarantee
Protect Your Business Against Employee Dishonesty
Even most trusted employees can sometimes let you down. Fidelity Guarantee Insurance covers pecuniary (financial) loss to your business caused by fraudulent or dishonest acts of insured employees in connection with their occupation or dutie
Internal Fraud Protection
Indemnifies your business against financial losses caused by fraudulent acts of employees
Tailored Guarantee Limits
Flexible coverage structured for named employees or designated job positions
What is APA Fidelity Guarantee Insurance?
Even most trusted employees can sometimes let you down. Fidelity Guarantee Insurance covers pecuniary (financial) loss to your business caused by fraudulent or dishonest acts of insured employees in connection with their occupation or duties. To obtain a tailored quotation, you provide a list of employees who handle money, their occupations, and the amounts each handles, allowing us to build individual, position-based, or blanket schedules that keep your company safe from internal exposures.
Highlights
- Indemnifies direct financial loss caused by employee fraud.
- Covers embezzlement, cheque forgery, and account falsification.
- Position or Named-individual schedule guarantees available.
- Flexible blanket coverage plans for larger business teams.
- Underwritten by APA Insurance (Uganda) Ltd and regulated by the IRA.
What is Covered and Not Covered Under Fidelity Guarantee?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Pecuniary/Financial Losses
Indemnifies the direct financial loss incurred due to embezzlement, theft, or dishonest activities.
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Cash Handling Theft
Covers cash theft or falsification of accounts by employees handling point-of-sale collections.
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Cheque Forgery & Alteration
Covers losses caused by employee forgery or unauthorized alteration of business cheques and bank drafts.
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Embezzlement of Company Funds
Protects against direct diversion of business capital or bank balances by financial officers.
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Computer & Digital Fraud
Covers digital money transfers or fraud executed by employees through internal software databases.
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Inventory & Stock Theft
Covers physical theft of raw materials, parts, or retail stocks by warehouse/depot staff.
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Attempted Employee Theft Damage
Covers repair costs for safes or company record rooms damaged by employees during theft attempts.
Eligibility & Documentation
Eligibility Criteria
Specifications
Eligible Parties
Businesses, shops, offices, government bodies, and organisations in Uganda with employees handling cash.
Requirements
Completed proposal, declared employee list, job roles, and estimated cash limits.
Premium Structure
Calculated on staff size, role risk profiles, and selected guarantee limits.
Discovery Limits
Claims are subject to discovery and notification windows per the policy schedule.
How to Buy Fidelity Guarantee Cover?
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Submit your employee counts, role categories, and limit needs via the quote form.
2
Provide your schedule of staff names, job occupations, and cash-handling limits.
3
Review the detailed premium quotation calculated on the roles risk profile and limits.
4
Authorize proposal details, complete premium payment, and secure your business finances.
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
Financial loss to your business caused by fraudulent or dishonest acts of your employees in connection with their duties.
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“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
