Fidelity

CrimeSHIELD^® Policy

The Hartford offers a most effective and economical way to protect your assets. With CrimeSHIELD^®, you can help protect your business against loss caused by dishonest employee acts such as theft and embezzlement.

CrimeSHIELD^® PROVIDES COVERAGE FOR:

• • Employee Theft
• • Depositors Forgery or Alteration
• • Theft, Disappearance & Destruction of Money & Securities, and Robbery & Safe
      Burglary of Other Property
• • Robbery & Safe Burglary of Money and Securities Other Property
• • Computer and Funds Transfer Fraud
• • Money Orders & Counterfeit Currency
  
  

CrimeSHIELD^® ALSO: Expands the definition of "employee" to include Partners/Members of limited liability companies, non-compensated officers, committee members and volunteers. Provides coverage for merged/acquired entities with revenues or assets of less than 15 percent of the acquiring entity at no additional charge. Automatically covers ERISA plans Expands employee theft to include coverage for money, securities or other property that you hold on your premises for a client. Allows Inventory Records to be used to support the amount of a covered loss.

OPTIONAL COVERAGE ENHANCEMENTS INCLUDE: Third Party Coverage (off premises) – Broadens the Employee Theft insuring agreement to include coverage for client property while performing services on the client's premises. Credit, Debit or Charge Card Forgery - Provides forgery coverage for credit, debit, or charge cards issued for business purposes.

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ERISA Fidelity Bonds

(up to $3 million limit)

A fidelity bond designed to help protect the plan and participants against fraud or dishonesty by the bonded trustee.

To meet the need for ERISA fidelity bonds among small to midsize business owners, The Hartford is pleased to introduce our fidelity bond, which features:

• • Stand-alone fidelity coverage – Although ERISA coverage is often added to a company's standard crime policy, The Hartford offers a streamlined fidelity bond specifically for this purpose. In the event of an embezzlement involving both company assets and employee benefit plan assets, the plan must be repaid first. This can erode coverage limits needed to make company operations whole.
  
  
• • Clear language – Our ERISA Fidelity Bond incorporates the terminology "funds or other property" and "fraud or dishonesty" directly from the statute, and provides automatic coverage for ERISA employee welfare or pension benefit plans of the sponsoring company, without having to name each plan. By using language directly from the law, our bond helps provide the coverage your business clients need to be in compliance with ERISA.