This
insurance guarantee to indemnify the employer
in case one or several of his employees causes a dishonest loss, be
already for embezzlement, swindle, theft, breach of confidence, of
money, values or belonging goods to or for which the boss is
responsible, up to the limit indicated in the deposit.
Also exist the insurance policy of 3rth Loyalty, that means
dishonesty, disappearance and destruction, which covers more
widely than a simple loyalty, contemplating 6 insurance agreements
that are:
▪ Employees' Loyalty
▪ Theft and Assault Inside the Places
▪ Theft and Assault Out of the Places
▪ Falsification of Bank deposits
▪ Commercial Falsification
▪ Safe of Deposits
Necessary information to grant an Insurance policy of Loyalty
▪ Relation detailed with the whole personnel that works in the
company with his respective charges
▪ Charges to assure
▪ Limit wished by charge by agreement
▪ To indicate the persons who handle money or values
▪ Control panel of countable handling.
▪ Protection measurements of the place.
▪ To hire insurances for the properties under the branch of fire and
Allied Forces
Coverages
▪ Employees' Loyalty
▪ Loss inside the place - theft and assault
▪ Loss out of the place - theft and assault
▪ Commercial falsification
▪ Falsification of bank deposits
▪ Money falsification
▪ Safes of deposits
▪ Falsification of received checks
Not insurable risks
a) The declaration of the loss is fraudulent as for the relation of
the facts and the amount of the loss.
b) The policyholder was not supporting the norms of safety and the
control indicated in the declarations done to the company to express
this insurance policy
c) It is not possible to need the responsibility of the employee;
the policyholder will be able, nevertheless, to benefit from this
insurance policy, whenever the given test establishes in a
reasonable way that it was caused really by one or more of the above
mentioned employees
d) The policyholder arranges directly or indirectly, with the
employee without intervention of the company the refund of the whole
or part of the loss
e) The present insurance policy does not protect the policyholder
because of loss coming from commercial or civil credits that
the employee will have granted and that this one will not pay for
any cause
f) The insurance policy also will not cover the dismissed lucre that
the policyholder will suffer for the occurrence of one or several of
the covered risks
g) Theft committed by the employee
h) Disappearance of goods when the participation of the employee is
not verified
i) Acts of the employee that are not attributed to fraud or
unlawfulness in which the employee acted as bona fide or with
instructions of the employer
Procedure for Claims
▪ Description of as the catastrophe happened
▪ Relation of losses
▪ Voucher of the losses (invoices)
▪ Police certified declaration.
