This policy covers your financial loss or loss of goods arising from fraud or dishonesty by your employees in the following ways:

• During uninterrupted employment of such employees
• In connection with the occupation and duties of such employees
• For any loss arising from fraudulent embezzlement or fraudulent misappropriation committed more than twelve months prior to the date of receipt by the Company of notice of such loss expert that in respect of loss arising from fraudelent embezzlement or misappropriation committed during the period of insurance and discovered after but within three months of the termination of this Policy or the termination of the exployment of such Employee the Employee the Employer shall be entitled to claim for any such loss which arose within the period of twelve months inmediatedly prior to the date of termination of this Policy on the date of termination of such employment whichever shall have first happened.

This list is non-exhaustive. Please refer to our policy contract for the full list of exclusions under this policy.

✖ Indirect or consequential loss.

✖ Third party losses.            

✖ Losses.

• Arising from extortion
• Sustained prior to policy inception
• Occurring prior to policy inception
• Discovered subsequent to termination of policy period including the discovery period 

✖  Stock taking or inventory losses.

✖  Losses resulting from.

• Ionizing radiation
• Contamination by radioactivity from nuclear fuel, nuclear waste or nuclear weapons material
• Acts of terrorism