This covers the insured for loss of money or stores/stocks as a result of misappropriation by a member of staff

Underwriting Guidelines

  Limits of liabilities

  Occupations of insured persons

  Systems of checks and balances in place references


  Consequential loss of any kind

  Losses outside the territorial limits

Claim Conditions

  To notify Insurer immediately in case of a loss

  To report the occurrence to police

  To take reasonable precautions to avoid loss

  If fraud is suspected, all benefits under the policy are forfeited

  Claims are subject to contribution, average and subrogation

  An investigator is appointed in most cases

  The insurer must be satisfied that all warranty conditions were adhered to

  Losses must be discovered within three (3) months

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