What is Public Liability Insurance?
Goldstar’s Fidelity Guarantee Insurance protects the insured against losses caused by disloyal staff/employees holding positions of trust.
Dishonesty of employees can be difficult to detect. That’s where Goldstar are here to help and provide protection in the case an employee or group of employees act dishonestly to defraud a company of monies and/or goods.
What’s covered
The Policy covers the loss sustained by the employer by reason of any act of forgery and/or fraud and/or dishonesty of monies and/or goods of the employer on the part of the employee Insured, committed on or after the date of commencement of the Policy during uninterrupted service with the employer.The loss should be detected during the continuance of the Policy or within 12 calendar months of the expiry of the Policy and in the case of death, dismissal or retirement of the employee within 12 calendar months of such death or dismissal or retirement whichever is earlier.
The cover may be required in respect of a single employee or a group of employees. There are three types of Policies normally issued by the Insurer for this clause of business namely “Individual Policy”, “Collective Policy” and “The Blanket Policy”.
- The blanket policy: covers all guaranteed employees
- Collective policy: covers named and unnamed individuals
- Individual policy: Covers one person and responds to theft or fraud by the person within the policy period and terms of employment.
What’s not covered
- Any losses, expenses or costs incurred outside the geographical area
- Loss after a change in occupation
- Unexplained shortages/losses
- War and related risks
- Terrorism
- Loss of interest
- Consequential loss of any kind
- Political risks
- Any employee from the time the insured becomes aware that such employee has committed any fraud or dishonesty
- Cover non-employees like sub-contractors, auditors, solicitors unless specifically included from inception
What’s optional
- Political Violence and Terrorism: Cover against political violence and terrorism
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FAQ's
How do I cover items that I take away from the home?
What is accidental damage cover?
Are items in my garage or shed covered?
I live in rental accommodation. Do I still need insurance?
What is an excess?
Tips
- Ensure you declare a list of items to be insured under contents insurance including serial numbers, model, make and have the correct sum insured
- Always keep valuables safely and locked out of site to protect against the risk of theft