Fidelity Guarantee (忠实保证保险) Insurans Jaminan Kesetiaan


1. Introduction

Fidelity Guarantee Insurance is designed to indemnify the Insured against loss as a result of dishonesty of persons holding position of trust.

In a business organization, certain positions demand a very high level of honesty and trust. The daily duties of the employees in these positions would bring them into contact with cash or goods that can be converted into cash.

A business organization would like to have some form of protection against any loss should their employees abuse their positions of trust. Fidelity Guarantee Insurance is therefore most ideal form of insurance to protect the company's interest.

The company only accepts Fidelity Guarantee insurance provided the Insured's other insurance are placed with us, otherwise this class should be avoided as its claims experience is generally not favourable if there is insufficient check and control over the staff's handling of cash.

2. Scope of Cover

This Insurance covers direct pecuniary loss as the Insured shall sustain by any act of fraud or dishonesty committed by any insured employee. 

The loss must be sustained 
i) in connection with the insured employee's          employment and duties 
ii) during the period of guarantee and         
    renewal  thereof 
iii) during the uninterrupted employment of     
    such employee 
iv) and discovered during the period of 
    guarantee or within six months thereafter.

3. Extensions

Auditors' and Accountants' Fees up to the sum insured of RM10,000 prepare satisfactory proof of pecuniary loss.

4. Fidelity Guarantee Insurance -Basis of Rating

 Rate* 1% on limit of indemnity/per event and in the aggregate
 Plus additional 
 Premium* Per Capita		 RM10 per person
 Minimum PremiumRM50
  Excess 5% of limit indemnity or RM2,500 whichever is higher

* Discount on Rate/Per Capita : A discount of up to 25% may be allowes for proposers with a clean record of  claims in the last 5 years.

5. Referred Risks (Acceptance of such risk is to be referred to Business Development or Branch Head)
5.1 Business relating to betting
5.2 Business with 24 hours operation
5.3 Amusement centers
5.4 Entertainment outlets such as pubs                                                                  
       discotheques, karaoke
5.5 Direct sales companies
5.6 Petrol Kiosks

6. Special Acceptance Risks (Acceptance of such risk is to be referred to Portfolio Underwriters/Head of Underwriting and Technical Support)
6.1 Commodity traders
6.2 Cyber Cafes
6.3 Cigarette traders
6.4 Debts collectors
6.5 Money Changers
6.6 Proposers with bad claims record in the 
        past 3 years
6.7 Security Firms

7. Declined Risks (Any accommodation of such risk is to be referred to Head of Underwriting and Technical Support/Risk Review Committee)
7.1 Banks/Financial Institutions
7.2 Stock broking finns
7.3 Jewellery shops
7.4 Casinos

1.Pengenalan

Insurans Jaminan Kesetiaan direka untuk menanggung rugi Pihak Diinsuranskan terhadap kerugian akibat ketidakjujuran untuk orang yang memegang jawatan amanah.

Dalam organisasi perniagaan, kedudukan tertentu menuntut satu tahap yang sangat tinggi kejujuran dan kepercayaan. Tugas-tugas harian pekerja dalam jawatan-jawatan ini akan menglibatkan mereka keatas hubungan dengan wang tunai atau barangan yang senang/ sedia  ditunaikan.

Sebuah organisasi perniagaan ingin mempunyai beberapa bentuk perlindungan terhadap apa-apa kerugian pekerja jika mereka menyalahgunakan kedudukan amanah mereka. Oleh itu, Insurans Jaminan Kesetiaan  adalah bentuk insurans yang paling sesuai  untuk melindungi kepentingan syarikat.

2.Skop Perlindungan
Insurans ini melindungi kerugian secara lang-sung atas wang sebagaimana Diinsuranskan atas kehilangan apa-apa perbuatan penipuan atau ketidakjujuran yang dilakukan oleh mana-mana pekerja yang diwajibkan.

Kerugian ini mesti disebabkan
i) berkaitan dengan pekerja yang diinsuranskan demi tanggung jawap dan tugas
ii) semasa tempoh jaminan dan pembaharuan daripadanya
iii) semasa tempoh penggunaan tanpa gangguan penggajian pekerja yang berputus-putus.
iv) dan ditemui semasa tempoh dijaminkan atau dalam tempoh enam bulan selepas itu.

3.Extensions

Yuran Juruaudit dan Akauntan sehingga jumlah yang diinsurans kan sebanyak RM10,000  bagi penyediaan bukti yang memuaskan mengenai kerugian wang.

4. Insurans Jaminan Kesetiaan - Asas Penilaian

 Rate* 1% on limit of indemnity/per event and in the aggregate
 Plus additional   
 Premium* Per Capita		 RM10 per person
 Minimum PremiumRM50
  Excess 5% of limit indemnity or RM2,500 whichever is higher

* Discount on Rate/Per Capita : A discount of up to 25% may be allowes for proposers with a clean record of  claims in the last 5 years.

5.Risiko Dirujuk  (Penerimaan risiko tersebut adalah perlu dirujuk kepada Pembangunan Perniagaan atau Ketua Cawangan)
5.1 Perniagaan yang berkaitan dengan pertaruhan
5.2 Perniagaan beoperasi 24 jam 
5.3 Pusat Hiburan 
5.4 Cawangan Hiburan seperti pub, disko, karaoke
5.5 Syarikat jualan langsung
5.6 Petrol Kiosk

6.Penerimaan Risiko Khas (Penerimaan risiko tersebut akan dirujuk kepada Pengunderitaan Portfolio / Ketua Pengunderaitan dan Sokongan Teknikal)
6.1 komoditi peniaga
6.2 Siber Kafe
6.3 Rokok peniaga
6,4 Hutang pengumpul
6.5 Money Changers
6.6 Pencadang dengan tuntutan rekod buruk dalam 3 tahun lalu
6.7 Keselamatan Firma


7.Risiko menurun (Sebarang penginapan risiko tersebut akan dirujuk kepada Ketua Pengunderaitan dan Sokongan Teknikal / Jawatankuasa Kajian Risiko)
7.1 Bank / Institusi Kewangan
7.2 Firma Pembrokeran Saham 
7.3 Kedai Barang Kemas
7.4 Kasino


1. 介绍

由于控股地位信任的人不诚实，忠诚保证保险，以保障被保险人免受损失。

在一个企业组织中，某些职位要求诚实守信的一个很高的水平。在这些职位上的员工的日常工作，会为他们带来接触到现金或物品，可以兑换成现金。

一个企业组织希望能有某种形式的保护的任何损失，他们的员工应该信任滥用职权。因此，忠诚保证保险是最理想形式的保险，以保障公司的利益。


除非被保险人有我们与其他保险组合放置。否则这个类应该避免，因为其索赔经验一般是不会有利的，如果没有足够的检查和控制员工的处理现金。


2。盖范围

本保险承保的直接金钱损失，被保险人应维持任何保险雇员的欺诈或不诚实行为的任何行为。

必须持续亏损
i）在与被保险人的雇员就业和职责
ii）于保障和重建时期其
iii）在这种不间断的就业雇员
iv）及期间，发现保证或于其后六个月内。

3。扩展
最多编制令人满意的证明金钱上的损失，核数师和会计师费RM10，000保额。

4。忠实保证保险为基础的评价

 Rate* 1% on limit of indemnity/per event and in the aggregate
 Plus additional Premium* Per Capita RM10 per person
 Minimum PremiumRM50
  Excess 5% of limit indemnity or RM2,500 whichever is higher

*折扣率或人均：有了一个干净的记录声称在过去的5年中，高达25％的折扣可能被允许提议者

5. 提到风险（接受这样的风险是被称为商
    业开发部门或分公司负责人）
5.1 业务有关博彩
5.2 业务24小时运作
5.3 娱乐中心
5.4 娱乐场所，如酒吧迪斯科舞厅，卡拉OK
5.5 直接销售公司
5.6 汽油站

6。特别接受风险（接受这样的风险是被称为投资组合包销商/总包销及技术支持）
6.1 大宗商品交易商
6.2 网吧
6.3 卷烟贸易商
6.4 债务收藏家
6.5 货币兑换
6.6 在过去的3年里提议者与不良债权记录
6.7 证券商

7。拒绝的风险（这些风险是任何住宿被
    称为包销及技术支持/风险审查委员会
    主任）
7.1 银行/金融机构
7.2 股票经纪公司
7.3 珠宝店
7.4 赌场



SelectionFile type iconFile nameDescriptionSizeRevisionTimeUser
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View		 A fidelity bond is a form of insurance protection that covers policyholders for losses that they incur as a result of fraudulent acts by specified individuals. It usually insures a business for losses caused by the dishonest acts of its employees.  Sep 29, 2012, 2:46 PM Simon Poon
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View		 By Steven Miller, eHow Contributor Fidelity guarantee is a type of insurance that is purchased by an employer to protect against losses that are not under general policies for theft or burglary. Fidelity guarantee can also be referred to as a fidelity bond or fidelity insurance.  Sep 29, 2012, 2:45 PM Simon Poon
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