Financial Security
A Fidelity Guarantee Insurance plan helps you prepare for unexpected losses caused by employee dishonesty instead of facing financial challenges alone.
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Fidelity Guarantee Insurance is a specialized insurance solution designed to protect businesses and organizations from financial losses arising from fraudulent, dishonest, or unlawful acts committed by employees. It provides financial protection against losses caused by employee dishonesty, theft, misappropriation of funds, or misuse of business assets, helping minimize the financial impact of unexpected internal risks.
In Nepal, businesses rely on employees to manage cash, inventory, financial records, and other valuable assets. Despite internal controls and security measures, organizations may face losses due to employee misconduct or fraudulent activities. Fidelity Guarantee Insurance provides financial protection against such risks and helps businesses maintain financial stability.
Fidelity Guarantee Insurance is generally designed for businesses, financial institutions, commercial organizations, and other entities that require protection against employee-related financial losses. Coverage may include losses arising from fraud, dishonesty, theft, or misappropriation by employees, depending on the policy terms and selected coverage options.
Essential protections such as Fidelity Guarantee Insurance are often overlooked because businesses usually trust their employees and rely on internal controls. However, employee-related financial risks can occur unexpectedly and may result in significant losses.
For instance, without Fidelity Guarantee Insurance, businesses may have to bear financial losses caused by employee fraud, theft, or misuse of company resources entirely from their own funds. Such incidents can affect profitability, cash flow, and business operations.
Therefore, while the primary purpose of Fidelity Guarantee Insurance is to provide financial protection against employee dishonesty risks, there are several important reasons why such insurance is valuable for businesses in Nepal.
Choose suitable Fidelity Guarantee Insurance coverage options based on your business type, employee responsibilities, and level of risk exposure.
Fidelity Guarantee Insurance plans in Nepal are designed to provide financial protection against employee-related risks. The main features include:
Together, these features make Fidelity Guarantee Insurance an important financial safeguard, helping businesses manage internal risks and protect valuable assets.
Insurance helps reduce unexpected financial strain and keeps renewal and claims journeys clearer when losses occur.
A Fidelity Guarantee Insurance plan helps you prepare for unexpected losses caused by employee dishonesty instead of facing financial challenges alone.
United Ajod combines non-life insurance experience with branch-led support so you can confidently manage your insurance requirements.
Discuss employee responsibilities, business risks, and coverage requirements to create protection that fits your organization.
Products are offered within Nepal’s non-life insurance framework, with policy documents clearly outlining coverage terms and conditions.
Use downloads for forms, or reach out via contact channels for checklists and timelines.
We value every customer with a VIP-level experience, delivering prompt support, transparent guidance, and insurance coverage tailored to protect businesses against unexpected employee-related financial risks.
We are committed to providing prompt assistance, transparent communication, and dedicated support throughout your insurance journey.
Our claims process is streamlined for speed and simplicity, with a significant number of claims settled promptly. A digital-first approach minimizes paperwork and ensures faster turnaround times.
Whether it is a weekday, weekend, or public holiday, our support team remains available 24/7 to assist you with queries, claims, or policy updates.
Select suitable Fidelity Guarantee Insurance coverage options based on your business operations, employee responsibilities, and risk requirements.
With a strong branch network and accessible support channels, United Ajod helps customers receive insurance services and assistance whenever required.
Our customer support team assists with policy servicing, renewals, endorsements, and claim-related queries throughout the policy period.
Visit one of our nearest branch or contact our customer support team.
Select suitable coverage based on your business type, employee responsibilities, insured amount, and desired level of protection.
Provide your personal details along with the proposal form details.
Complete payment and any required KYC verification as guided by our team.
You'll receive policy documents hard copy along with SMS confirmation. Policy Pdf file will also be sent to your email address.
You can reduce the chances of Fidelity Guarantee Insurance claim rejection by paying attention to the following important factors.
Many claims are rejected simply because the policyholder is unaware of what their insurance covers. Always read your policy document to understand the inclusions, exclusions, and conditions.
Always provide complete and accurate details regarding employees, business operations, financial responsibilities, and insured risks.
Keep employee records, financial documents, transaction records, audit reports, and supporting documents updated.
Implement proper accounting procedures, authorization processes, and monitoring systems to reduce business risks.
Inform United Ajod immediately after discovering any suspected fraud, theft, or dishonest activity and follow required claim procedures.
Renew your policy before its expiry date to ensure continuous coverage and uninterrupted financial protection.
You can access United Ajod through these options:
Download our mobile app from the App Store or Google Play.
Visit our website at https://uail.com.np for detailed information.
Fidelity Guarantee Insurance generally covers eligible financial losses caused by fraudulent, dishonest, or unlawful acts committed by covered employees, subject to policy terms and conditions.
The maximum coverage amount depends on the selected insured amount, business requirements, employee responsibilities, and policy terms.
Businesses, organizations, financial institutions, and other entities requiring protection against employee-related financial risks can purchase this insurance, subject to policy eligibility requirements.
Common exclusions may include losses caused by owners or directors, dishonest acts discovered before policy commencement, intentional acts not covered under the policy, and other exclusions specified in the policy document. Always review the policy wording for complete details.