Fidelity and Crime Insurance 

Fidelity and Crime insurance protects against direct loss of money or goods caused by an act of theft by an employee. As well as theft, the policy will cover any other act of fraud or dishonesty by any employee provided that this was committed with the clear intent of obtaining an improper personal gain either for himself or for some other person or organization. It is not intended that these policies should pay where loss results from an employee merely exceeding his authority or disobeying instructions (where no fraud or dishonesty was intended).

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