Who this is for
Cash-handling businesses, retail, F&B, petrol stations
Businesses holding valuable stock
Companies where staff handle money or goods
What it typically covers
- Burglary, theft of stock, equipment and property following forcible entry
- Money in premises and in safe, during and after business hours
- Money in transit, cash on the way to or from the bank
- Fidelity guarantee, direct losses from employee fraud or dishonesty
- Damage to premises caused during a break-in
Money and fidelity limits should mirror your actual daily cash cycle, we'll map it during the walkthrough.
RetailF&BPetrol stationsPharmaciesWholesale
Common questions
Is shoplifting covered?
No, burglary requires forcible, violent entry. Shoplifting losses need different arrangements; talk to us about your actual exposure.
We bank in cash daily. Does the route matter?
Yes, limits typically apply per carrying and depend on escort arrangements. We'll structure limits around your real routine.
What does fidelity guarantee actually pay?
Direct financial loss from a dishonest act by an insured employee, theft of cash or stock, fraudulent accounting, discovered within the policy's discovery period.
Get your quotation
One question at a time, your personalised quote via WhatsApp or email, usually the same day.