insurance clauses caraka mulia pialang asuransi



Risks : FGI, BT

It is hereby declared and agreed that in the event of the property insured being destroyed or damaged, the basis upon which the amount payable under interest insured (building, content) of the policy is to be calculated shall be the cost of replacing or reinstating on the same site property of the same kind or type but not superior to or more extensive than the insured property when new, subject to the following Special Provision and subject also to the terms and conditions of the policy except insofar as the same may be varied hereby.

Klausul Reinstatement Value dalam Bentuk sederhana ini biasa dilekatkan pada polis Burglary and Theft Insurance, Fidelity Guarantee Insurance dan lainnya

Fidelity Guarantee Insurance

Polis asuransi yang dirancang untuk mengganti kerugian Tertanggung (majikan) untuk kehilangan uang atau properti berkelanjutan sebagai akibat langsung dari tindakan penipuan, pencurian atau ketidakjujuran oleh seorang karyawan dalam proses kerja.

What is Fidelity Guarantee Insurance?
Fidelity Guarantee insurance is an insurance policy designed to indemnify the Insured (the employer) for the loss of money or property sustained as a direct result of acts of fraud, theft or dishonesty by an employee in the course of employment.

Why need Fidelity Guarantee Insurance?
Companies are exposed to significant financial losses annually, due to crime committed by employees and it is reported that Fraud is on the increase. Combined with the growth in the use of electronic data and asset transfers, the fidelity losses faced by employers are increasing substantially.

Fidelity guarantee insurance is most often sought by companies where employees are more likely to cause financial loss because of their constant exposure to cash, stocks or other assets. The potential losses that could arise from fidelity, especially with the increase in computer crime, make it pertinent that those employers at risk use fidelity guarantee insurance as a risk management tool.

What is covered?
The cover provided includes reimbursement for loss resulting from:

loss of property,
loss from loans or trading
committed by an employee for improper personal financial gain. Theft of property by computer fraud and the theft of funds from the insured’s transfer account at a financial institution are also indemnified. In addition, defence costs, judgments and settlements are accommodated by the terms of the contract.