ࡱ> NPO bjbjNN n,~,~ -]$$$$4 e" N P P P P P P $t ^et $$$RN $$$$N @ V @v"N  `7B Are your Employees your Best Customers?   Employee Dishonesty Do you have a dishonest employee? Billions of dollars are lost each year because of dishonest acts of employees. In practically every case a trusted employee caused the loss. Of course you trust your own employees. Good business people and their bankers, have realized that rather than taking the chance of escaping dishonesty forever, its better to: Confirm judgment in trusted employees Exert a restraining influence on those possibly tempted Guarantee the honesty of all employees by building a partnership with an insurance bonding company Make sure you protect your IQ. (Infidelity Quotient) Fidelity bonds protect you from fraudulent or dishonest acts committed by your employees. Coverage includes loss of money, merchandise or property. Unlike most insurance policies, there are three parties to dishonesty bonds: you, the employer, your employee(s) and the insurance company. You can protect yourself against dishonest acts from one employee all the way to covering yourself against acts committed by every employee. Most business cover all employees with the amount of insurance applying to any one claim regardless of the number of employees involved. You only need to prove your loss, without identifying those responsible. New employees are automatically covered with no requirements to notify the insurance company. You must report your losses within one year after your policy ends, with coverage extending to the first 30 days after employment ends to cover situations as fired employees using a key to steal from you. You can increase the amount on any one employee and you can even have the loss limit apply separately to each employee. Fidelity insurance doesnt cover losses that are caused by independent contractors or partners/corporate officers. If this hazard exists, you should see about extending coverage to protect you. Coverage remains in force until either party terminates it. If an employer learns of any employee act that could result in a claim, coverage terminates automatically. In this way, you are kept from giving dishonest employees a second chance. There is no coverage for accounting errors or mysterious disappearance of money or property. Each employee completes a one page back ground sheet on themselves which starts the process of letting them know some one else is watching your IQ. And, its a good idea to repeat this annually. After all, a high IQ is something to strive for, isnt it?  Geared for Success 3 minutes to insurance understanding Save money and cover your fatal gaps. 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