Employee dishonesty
Protection for losses from dishonest employee acts in their duties. We review roles with access to property and valuables.
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Financial lines & crime
Protection against losses from fraud, dishonesty and valuables handling. We assess responsibilities, controls and money movements to structure your programme.
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Protection worth understanding.
Crime and fidelity risks concern losses of money, securities or other property through dishonest acts. They differ from cyber insurance and commercial theft. Mint distinguishes who may cause the loss and how it occurs before seeking appropriate sections and limits.
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01People and controls 01 / 03Trust deserves protection, too.
Collusion
Assessment includes acts committed alone or in collusion. We compare event limits and how insured employees are identified.
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02Valuables and movements 02 / 03Money moves through your business.
Money, securities and property
We identify exposed assets and maximum concentrations. Proposed sums consider potential loss and existing controls.
Losses inside and outside premises
We review custody and valuables movements separately, requesting the scope of each section against how money is handled.
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03Documents and discovery 03 / 03See the risk clearly.
Forgery and documents
We assess forged signatures or documents and request explicit confirmation of the events addressed by the offer.
Controls and discovery
We review authorisations, separation of duties, reconciliations and loss detection as part of presenting the risk and comparing proposals carefully.
These are areas to assess, not a promise that every plan includes them. We confirm the proposed scope, benefits and limits with you before you choose.
Follow money flows to understand exposure.
A useful assessment follows money flows: who collects, authorises, pays and reconciles. It also examines stock and valuables in custody. This distinguishes employee dishonesty, premises losses and other requested events. Maximum exposures and controls help determine limits.
Dishonesty may involve one employee or several acting together. We review treatment of collusion and employee identification. Digital events are checked against requested cyber protection. The programme is organised around the cause and nature of loss for clarity to the finance team.
Start with your situation
What we review together.
These details help us ask the right questions and compare options on a consistent basis. We can start with a conversation and organise the documents with you.
- Activities, employees, responsibilities and access to money or stock.
- Receipts, payments, authorisations and reconciliation controls.
- Maximum valuables by location and previous losses.
How Mint helps
We organise your needs, present the risk and compare proposals with you. Before you choose, we explain the cover, limits and cost. During the policy period, we support changes, claims and renewal, with a team you can speak to.
Talk to an adviserBefore you decide.
Is online fraud always a cyber insurance matter?
Digital delivery alone does not determine coverage. We review the act, perpetrator, money movement and affected systems against crime, fidelity and cyber insurance.
How is the limit determined?
We assess the amount exposed in an event, controls and concentrations, then present alternatives to consider with your finance team.
What does collusion mean?
It means people acting together. In fidelity insurance we review how limits apply when several employees participate in a loss.
Does the limit depend on employee count?
Headcount is part of the profile, alongside responsibilities, values and the potential size of loss. We assess these with company controls.
Let’s design
your coverage.
Tell us about Financial lines & crime. Our team will help with the next step.
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