Fidelity Guarantee
Looking for reliable health insurance in Lebanon? AS-SAAD Insurance Brokers provides comprehensive medical insurance solutions for individuals, families, and businesses. From personal health plans to corporate group medical coverage, we help you secure affordable protection with guaranteed renewability, claim support, and Ministry of Labor compliant employee insurance.
Structures
We offer multiple fidelity guarantee structures to suit different business sizes and risk exposures, including:
- Blanket Coverage
- Position-Based Coverage
Each option differs in insured limits, deductible levels, employee scope, and policy conditions.
Scope of Cover
Subject to policy terms and conditions, coverage typically includes:
- Theft, embezzlement, forgery, or misappropriation by employees
- Direct financial loss arising from fraudulent acts
- Loss of property under employee custody or control
- Legal defense costs (where applicable by endorsement)
Discovery & Notification
Loss must be discovered during the policy period or within the extended discovery period (if purchased).
Immediate written notification is required upon detection of any dishonest act.
Supporting documentation such as audit reports, internal investigations, and police complaints may be mandatory.
Claim
Support
• Formal incident notification
• Detailed loss calculation
• Supporting accounting records
• Employee statements (where applicable)
• Police report
We provide full technical support from notification through settlement, coordinating directly with loss adjusters and insurers.
Corporate
Coverage
We assist corporate clients with:
• Appropriate limit setting based on turnover and cash flow
• Internal control assessment
• Employee role mapping
• Deductible optimization
• Policy wording negotiation
Ensuring coverage aligns with operational exposure and governance standards.
Regulatory Compliance
We provide Fidelity Guarantee policies required for:
- Banking facilities
- Tender submissions
- Contractual obligations
- Regulatory requirements
Helping your business remain compliant while safeguarding against internal fraud risks.
Ready to Protect Your Business and Your People?
Whether you’re seeking Fidelity Guarantee coverage for your company or protection for employees in sensitive positions, our experienced advisors are here to help.
We compare multiple insurance providers to secure the most suitable Fidelity Guarantee solutions in Lebanon, tailored to your business size, risk exposure, insured limits, and contractual or regulatory requirements.
Speak to an expert today and receive your customized Fidelity Guarantee quotation.
Fast response • Trusted since 1962 • Full claim support • Corporate plans
Most Commonly Asked Questions.
What does Fidelity Guarantee Insurance cover?
Fidelity Guarantee Insurance covers direct financial loss suffered by an employer due to dishonest or fraudulent acts committed by employees, including theft, embezzlement, forgery, or misappropriation of funds or property (subject to policy terms and conditions).
How do I determine the correct limit of indemnity?
Limits are usually based on your company’s cash flow, employee responsibilities, and exposure to financial handling. Our advisors help assess your risk profile to recommend appropriate coverage levels.
How long does claim processing take?
Once complete documentation is submitted, claim assessment typically begins immediately. Settlement timelines depend on loss complexity, investigation requirements, and insurer procedures. Straightforward claims may be resolved within a few weeks, while complex cases may require extended review.
Do you offer Fidelity Guarantee for companies of all sizes?
Yes. We arrange Fidelity Guarantee policies for small businesses, medium enterprises, and large corporations, with flexible limits, employee structures, and premium options tailored to each organization.
Are third-party losses included?
Standard Fidelity Guarantee policies cover direct loss to the insured only. Third-party losses may be added by endorsement, subject to insurer approval.
Is outpatient treatment included?
Some plans include outpatient benefits such as doctor visits, laboratory tests, and medication. Others focus on hospitalization only. We help you choose the right structure based on your needs.
How quickly can a Fidelity Guarantee policy be issued?
In many cases, policies can be issued within a few working days once required documents (employee details, financial information, proposal form) are submitted and approved by underwriting.