Fidelity insurance

• Recovery of losses.
• Controls, checks and balances.
• Your accounting records.
• Previous employees.

Loss or damage of property due to or caused by

• Events that occurred more than 24 months before discovery of the loss.
• Losses discovered more than 12 months prior to cancellation of this section, cancellation of cover in respect of a specified employee or position or termination of employment of an employee/employees.
• Dishonest personal gain by an employee in the form of salary or other income.
• Consequential losses.
• Your business partner (where they will benefit from payment under this policy), your principal, director or member (unless they're also your employee), an employee (from the time you became aware of their theft, fraud or dishonesty).
• Any company or other legal entity acquired during your period of cover.
• Where the loss is a result of the dishonest manipulation of, input into, suppression of input into, destruction of, or alteration of a computer program, system, data or software by an insured employee in that area.

• Computer losses.
• Costs of recovery.
• Retroactive cover (previous insurance in force; no previous insurance in force; or previous insurance with an extended period).