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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?

Loss to the insured because of the forgery/dishonest/fraudulent/embezzlement activities of the employees

The loss shall have occurred in connection with the occupation and duties of the employee

The limit of compensation depends on the sum insured

Coverage upon the demise, termination or retirement of the employee within 12 calendar months of the purchase of the policy

Liability arises from violating any Rules and Regulations of the Government or Statutory authorities

Loss or damage - directly, indirectly or remotely arises in connection with war, invasion, an act of a foreign enemy, hostilities, civil war, terrorism, etc.

Any loss or damage to any property due to any consequential loss and legal liability arising from radioactive/nuclear activities

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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Save your Business from losses with Shriram Fidelity Guarantee Policy