Cover for the money side of risk.
Compare fidelity, banker's indemnity, trade credit and surety cover from our partner insurers. An advisor helps you understand the terms.
- IRDAI Licence No. 1135Direct Broker (Life & General)
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What is financial lines insurance?
Financial lines insurance protects a business against financial loss from risks such as employee dishonesty, customers who don't pay, or failing to meet a contract.
These covers are underwritten case by case, so insurers look closely at your controls, customers and financial records.
Find the right planWhat's covered, and what isn't
Cover varies by plan. Always check the policy wording before you buy.
Usually covered
Up to your limits, subject to policy terms- Employee dishonestyFraud or theft by employees
- Cash & securitiesOn premises and in transit, for banks
- ForgeryForged documents and cheques
- Buyer insolvencyUnpaid invoices from insolvent buyers
- Long non-paymentBuyers who don't pay for a long time
- Contract guaranteesBid, performance and advance bonds
Usually not covered
Common exclusions across most plans- Losses found lateAfter the discovery period ends
- Known lossesBefore cover started
- Owners' dishonestyActs of the insured owners
- Disputed invoicesUntil the dispute is resolved
- Buyers without a limitNot approved by the insurer
- Indirect lossLoss of profit and similar
Get covered in four steps
- 1Tell us what to coverTell us about your business, the risk and the limit you need.
- 2Get quotesAn advisor collects the underwriting details and asks our partner insurers to quote.
- 3Share details & KYCAdd the details the insurer needs and complete KYC with your PAN.
- 4Get your policyYour advisor helps you finish, and the policy reaches your email.
How to make a claim
We help with every claim, from the first call to settlement.
Financial loss claim
The insurer assesses and settles the loss- 1Tell the insurer as soon as you discover the loss or default
- 2Report fraud to the police where needed
- 3Share records, audit reports and correspondence
- 4The insurer assesses and settles the loss as per the policy
Your controls matter
Insurers ask about audits, cash handling and credit controls. Clear controls make cover easier to arrange.
An advisor can help you prepare the information insurers ask for.
Our general insurance partners
See all partners- ICICI Lombard
Products and availability vary by insurer.
Financial lines FAQs
What is fidelity guarantee insurance?
It covers direct financial loss caused by fraud or dishonesty of employees, named or by position, as defined in the policy.
How does trade credit insurance work?
It pays a share of the invoice value if an insured buyer becomes insolvent or doesn't pay within the agreed period. The insurer sets a credit limit for each buyer.
What is a surety bond?
A guarantee from an insurer to a project owner that a contractor will meet its obligations. Some contracts accept it in place of a bank guarantee.
Who is banker's indemnity for?
Banks and financial institutions, to cover cash and securities on premises and in transit, and losses from forgery and employee dishonesty.
Related insurance
- Liability insurance
- Export credit insurance
- Business insurance
- Property insurance
- Marine insurance
- Engineering insurance