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What is covered?

	Employee Theft Coverage: Loss of money, securities or other property by theft or forgery by an identifiable employee of the insured
	Premises Coverage: Losses sustained due to the destruction, disappearance or wrongful abstraction or computer theft of money or securities within or from the insured’s premises by third parties.
	Transit Coverage: Losses sustained due to the destruction, disappearance or wrongful abstraction of money or securities outside the insured's premises by a third party, while being conveyed by the insured, an armoured motor vehicle company or any person authorised by the insured.
	Depositors Forgery Coverage: Losses resulting from instruments such as cheques fraudulently drawn on the Insured’s accounts by a third party.
	Computer Fraud Coverage: An extension to cover losses sustained by the Insured due to computer fraud by a third party including cover for expenses incurred by the Insured due to a computer violation.
	Investigation Costs cover: Reasonable expenses incurred in establishing the existence and amount of any direct loss in excess of the deductible.

General Exclusions:

	Losses due to war, civil war, insurrection, rebellion, revolution, military action or governmental intervention or expropriation.
	Losses caused or contributed to by the theft or fraud of the Insured’s partner.
	Loss involving the cost of reproducing any information contained in lost or damaged manuscript, records, accounts etc.
	Expenses incurred by the Insured in establishing existence or amount of any covered loss.
	Loss of Income.
	Loss of trade secrets.
	Fees or expenses in prosecuting or defending any legal proceedings.
	Loss, unless reported, in accordance with the provision of the policy regarding notification of loss.
	Losses not reported within sixty (60) days of the policy’s termination or within one (1) year of voluntary liquidation/dissolution of the Insured.

Kindly refer to the policy terms and conditions for specific exclusions applicable to employee theft coverage, premises coverage , transit coverage, depositors forgery coverage and claims procedure.

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