megfelelségbiztosítás

Megfelelésbiztosítás, often translated as compliance insurance or fidelity insurance, is a type of insurance designed to protect an organization against financial losses arising from employee dishonesty, fraud, or errors in judgment. This coverage is particularly relevant for businesses that handle sensitive financial information, manage large sums of money, or have employees in positions of trust.

The core purpose of megfelelésbiztosítás is to indemnify the insured company for direct financial losses caused by the fraudulent or dishonest acts of its employees. These acts can include theft of money or securities, forgery, embezzlement, or the unauthorized use of company assets. The policy typically specifies a coverage limit and may have a deductible that the insured must bear.

Key aspects of megfelelésbiztosítás include the definition of "employee," which can extend to temporary staff, leased workers, and sometimes even directors and officers, depending on the policy terms. The policy usually covers losses discovered within a specified period after the policy terminates. It is important for businesses to understand the exclusions of their specific policy, which might not cover losses due to negligence, ordinary business errors, or acts committed by individuals not considered employees under the policy.

Implementing internal controls and audit procedures is often a prerequisite or a condition for maintaining megfelelésbiztosítás. Insurers may require evidence of such controls to assess the risk and determine premiums. This insurance is a vital tool for risk management, providing a financial safety net against the potentially devastating impact of employee misconduct.