Key people & fidelity
Trust

Key people & fidelity

Your company depends on certain people — and on the trust it places in its team. We protect both fronts: the financial impact of losing a key partner or employee, and losses from internal dishonesty or fraud.

Some risks live not in assets but in people. Key-person insurance compensates the company for the financial loss if an essential partner or employee dies or becomes disabled. Fidelity coverage, in turn, responds to theft, fraud or employee dishonesty. Together they protect the continuity and assets of the business.

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Mint Group · Commercial brand of Pledge Co, S.A. · SSRP PJ 995
We represent
Internacional de SegurosMAPFREASSAMercantilSagicorPALIG
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Ideal for
Family businessesPartners and foundersCash and valuables handlingHigh-trust positions

What your policy can cover

01
Key person — death
Compensation to the company for the financial loss upon the death of an essential partner or employee.
02
Key person — disability
Backing if the key person becomes permanently disabled.
03
Employee dishonesty
Coverage against theft or fraud committed by employees.
04
Internal theft & fraud
Financial losses from dishonest acts within the organization.
05
Loss of cash & valuables
Protection of money and valuables on and off premises.
06
Partner agreement (buy-sell)
Funds so remaining partners can buy out the departing partner’s share.

Additional coverages & options

Don’t see what you’re looking for? There’s far more — we work with nearly every coverage in the market. Tell us what you need.

+Comprehensive commercial crime
+Forgery and alteration
+Cyber fraud and transfers
+Money in transit
+Extension to subcontractors
+Higher limits by position

When your policy responds

A partner dies
The company receives the sum to stabilize operations and honor the partner agreement.
Internal fraud
A diversion of funds by an employee is detected. Fidelity coverage responds for the loss.
Cash shortfall
An employee takes cash from the store. The crime policy indemnifies the shortfall.

Frequently asked questions

What people ask us most about this coverage.

What is key-person insurance?
It compensates the company for the financial impact of losing an essential partner or employee to death or disability.
How is the sum set?
By that person’s contribution to the business — profits, sales or guaranteed debts. We calculate it with you.
What does fidelity cover?
Financial losses caused by dishonest acts of employees, such as theft or fraud.
Does it help with partner agreements?
Yes, it funds buy-sell agreements to give continuity to the partnership.
Let’s design your coverage.
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This content is general and informational. Coverages, limits and exclusions are governed by the conditions of each policy and carrier.
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