What is business fraud insurance ? 

Our business fraud insurance “Fidelity” protects your business against financial losses caused by intentional unauthorized actions of so-called “trusted third parties” in the form of embezzlement, robbery, theft, forgery or fraudulent orders.  

All your employees are considered to be trusted third parties: from the board of directors and managing directors to temporary and contract workers, as well as external service providers and external personnel working on your premises, IT service providers, lawyers, tax consultants and auditors.  We also cover business fraud threats from the “outside”, such as:

  • Social engineering fraud – when interpersonal relationships in companies are influenced and exploited in such a way that confidential data or financial resources are disclosed, such as fake president fraud, fake identity fraud, diversion of payment flows, pharming and phishing.

What is Business Fraud Insurance?

Business Fraud Insurance, an armor forged by the insurance industry, is an indispensable fortress that enterprises can fortify themselves with, to navigate the perilous waters of fraud. It stands as a sentinel against the subterfuge of unscrupulous actors who seek to exploit vulnerabilities in the business realm.

At its core, Business Fraud Insurance acts as a financial guardian, offering a protective umbrella against a diverse array of fraudulent activities. This embrace extends to cover an assortment of malevolent deeds, such as identity theft, embezzlement, cyber fraud, and even forgery. The insurance comes to the rescue by mitigating the financial burdens inflicted by such illicit endeavors.

Imagine a nefarious scenario where a trusted employee manipulates accounts, funneling resources into their clandestine pockets. This breach of trust could potentially cripple a business, but with Business Fraud Insurance, the financial repercussions can be softened. The policy engenders not just monetary reprieve but also a sense of security, a beacon of hope that illuminates the path forward even in the darkest of times.

Navigating the Landscape with Insurance

The compass guiding businesses toward security, the term “insurance,” is not an enigma to anyone. It’s the guardian angel that ensures safety against unforeseen perils. In the context of our exploration, it’s essential to recognize that Business Fraud Insurance isn’t just a reactive solution, but a proactive strategy. It empowers businesses to evolve, adapt, and augment their safeguards against impending threats.

As businesses digitize, the horizon of fraud has expanded, with cybercriminals prowling the digital corridors. The linked article on insurance delves into the world of cybersecurity insurance, intertwining seamlessly with Business Fraud Insurance. The symbiotic relationship between these two guardians fortifies a business against the potent blows dealt by modern-day fraudsters.


In the grand tapestry of commerce, the thread of trust, woven over centuries, is marred by the stain of deception. Business Fraud Insurance emerges as a testament to human ingenuity, a testament that, even in the face of duplicity, resilience prevails. As enterprises march forward into an uncertain future, this insurance stands as a lighthouse, illuminating the path towards financial security.

Inscribed in its essence is the spirit of survival, a reminder that businesses, like civilizations of old, possess the prowess to withstand the storm. So, with Business Fraud Insurance as a steadfast ally, businesses can not only weather the tempest of fraud but also emerge stronger, wiser, and unbreakable.

Top 5 reasons to buy our business fraud insurance “Fidelity”

  1. Protection: You protect your business from financial losses and corporate reputation damage resulting from a large variety of business fraud risks from social engineering fraud to hacker attacks.
  2. Reliability: You are accompanied by a team of specialists always ready to help you with advice and support, and we indemnify you quickly in the event of a claim – even if the offender cannot be identified.
  3. Customisation: Our business fraud protection solutions are tailored to your needs, company size, budget and the risks you want to cover.
  4. Experience: We are a strong and reliable insurance partner with many years of experience and a leading provider of Fidelity insurance in Germany, Austria and Switzerland.
  5. Peace of mind: You can safely digitalise your business processes and increase your overall exposure to outsourcing and IT risks knowing that we’ve got you covered.


This article is intended for informational purposes only and does not constitute legal or financial advice. For specific guidance regarding Business Fraud Insurance, please consult with a qualified professional.

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