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Fidelity guarantee

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Managing the risk of fidelity guarantee

Employee fraud and dishonesty continue to rise, posing a serious and growing threat to businesses in South Africa and globally. While strong internal controls are essential, they may not be enough. Fidelity Guarantee insurance provides a critical layer of protection, helping businesses recover from financial loss and safeguard their future.

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Why partner with Santam for a fidelity guarantee policy?

Expertise

Our dedicated team of underwriters and claims specialists bring deep expertise in identifying, managing, and resolving fidelity guarantee risks across diverse industries.

Longevity

Fidelity Guarantee claims often take years to surface and even longer to settle. With over 40 years of experience, we have the ability to manage complex, long-tail claims with precision and consistency.

Solutions

Crime-related losses can be significant and unpredictable. At Santam, we offer the resilience and capacity to support businesses through high-impact events.

The policy protects against

Employee fraud and dishonesty

Covers direct financial loss caused by fraudulent, dishonest, or criminal acts by employees for personal gain.

Fraudulent transfer instructions

Covers theft of funds from the Insured’s transfer account at a financial institution.

Computer-based crime

Covers theft of property or funds through computer fraud.

Fidelity guarantee insurance coverage

These policies respond to:

Dishonest, fraudulent or criminal acts of an employee that result in a loss for the Insured.

Physical loss of or damage to property.

Theft of funds from the Insured’s transfer account at a financial institution.

 

Let’s discuss your insurance needs

Get tailored casualty insurance solutions. Request a call back and our team will assist you with the right coverage options.

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Help and FAQ's

General enquiries

Tel: 011 731 3600

E-mail: info@sha.co.za

What information is required to get a quote?

Santam only transacts through licensed insurance brokers. A proposal form is ideal and can be downloaded from our website. See the Downloads block on this page. Full details of previous incidents or claims need to be provided.

Why Fidelity guarantee?

  • Every employer should be protected against employee dishonesty.
  • Any business handling cash or securities should be protected from theft by employees.
  • Increased frequency and severity of claims make this cover an imperative for business continuity.

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