Best Ways to Check Car Insurance Claim Settlement Ratios in India
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Save your Business from losses with Shriram Fidelity Guarantee Policy
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Shriram Fidelity Guarantee Policy
Shriram Fidelity Guarantee Policy protects against business losses caused by employee dishonesty, theft or fraudulent activities. A business owner is compensated for such losses under the policy as long as the limits are met. There are four types of Shriram Fidelity Guarantee policies with varied coverage options
Named Basis
The insured company may opt to take insurance for a particular employee or employees with a separate sum insured against their name
Designation Basis
Under this policy, the insured company may purchase policy for a particular designation with the sum insured against their designation. All the persons occupying that particular designation will be covered under the policy and the insurer will compensate the insured company for the monetary losses sustained by the act of fraud and dishonesty committed by the covered employees
Floater Basis
The insured company may take a floating amount of the sum insured for a particular set of employees covered at different locations where the insured has its offices or business
Blanket Policy
The insured company may opt for a policy to cover all the organisation's employees for one single sum insured, irrespective of their names, designations and location
- What is Covered?
- What is not Covered?
01
Loss to the insured because of the forgery/dishonest/fraudulent/embezzlement activities of the employees
02
The loss shall have occurred in connection with the occupation and duties of the employee
03
The limit of compensation depends on the sum insured
04
Coverage upon the demise, termination or retirement of the employee within 12 calendar months of the purchase of the policy
01
Liability arises from violating any Rules and Regulations of the Government or Statutory authorities
02
Loss or damage - directly, indirectly or remotely arises in connection with war, invasion, an act of a foreign enemy, hostilities, civil war, terrorism, etc.
03
Any loss or damage to any property due to any consequential loss and legal liability arising from radioactive/nuclear activities
04
Loss or damage arising from the insured's wilful act/gross negligence
Note: Please read the policy wording document for detailed coverage, add-ons and exclusion lists
Frequently Asked Questions
What is the effective date of Shriram Fidelity Guarantee Policy?
Coverage under the Shriram Fidelity Guarantee Policy will begin on or after the date of policy commencement
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