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Zorluk: OrtaTypes of Insurance Policies (Life, Fire, Marine, Accident)

A commercial firm secures an insurance policy to safeguard its business against pecuniary losses arising from fraud, embezzlement, or dishonest acts committed by its cash-handling employees. Which type of insurance policy has the firm acquired?

  1. Fidelity Guarantee policyCevap
  2. B
    Employer's Liability policy
  3. C
    Endowment Assurance policy
  4. D
    Reinsurance policy

Cevap

Fidelity Guarantee policy
A Fidelity Guarantee policy is a form of accident insurance designed specifically to protect employers against financial loss caused by fraudulent or dishonest acts of employees, such as cashiers, accountants, or storekeepers.

Adım Adım Çözüm

1
Analyze the nature of the risk described in the scenario
The risk involves pecuniary (financial) loss resulting from internal employee dishonesty, fraud, or theft.
Identifying the specific cause of potential loss determines the corresponding insurance policy classification.
2
Match the risk type to the relevant accident insurance policy
Fidelity Guarantee insurance covers losses caused by breach of trust or fraud committed by employees in trusted roles.
This policy is specifically designed for businesses to mitigate risks associated with staff handling cash, stock, or financial records.

Anahtar Kavram

Fidelity Guarantee Policy Coverage
Tahmini Süre:1m 0s
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Konular

Types of Insurance Policies (Life, Fire, Marine, Accident)

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