Guide to Fidelity

							Guide to Fidelity
CrimeSHIELD® is The Hartford's all-in-one policy that addresses the following:

Commercial Crime:
Coverage for a wide array of commercial risks including those in general business
services, manufacturing, personal services, printing, wholesaling and distributing, along
with many more.

Governmental Crime:
For towns, cities, counties and school districts, public utility authorities or districts.
Focus is on risks with less than 2,000 total employees with preference for those risks
with less than 1,000 total employees; Faithful performance generally limited to
$1,000,000

CrimeSHIELD® PROVIDES COVERAGE FOR:
—Employee Theft
—Depositors Forgery or Alteration
—Theft, Disappearance and Destruction of Money, Securities and Other Property (Inside
and Outside)
—Computer and Funds Transfer Fraud
—Money Orders and Counterfeit Currency
  ($50,000 limit with $0 deductible with no additional premium charge)

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, often times without a conviction clause.
—Credit, Debit or Charge Card Forgery- Provides forgery coverage for credit, debit,
  or charge cards issued for business purposes.


CrimeSHIELD® UNDERWRITING CONSIDERATIONS
For limits of $250,000 or greater, the following business classes require additional
questions to be answered along with the application. Select the title to link to the
questionnaire.

Attorneys
Casinos
Houses of Worship
Construction Entities
Hospitals
Guide to Fidelity               (continued)


Motor Vehicle Dealers
Nursing Homes
Real Estate Management
Stadiums, Arenas, Race Tracks
Third-Party Administrators
Trucking
Warehouse & Inventory Control



ERISA Fidelity Bond Helps keep your clients in compliance

ERISA requires that for each ERISA plan: "The amount of such bond shall be fixed at the
beginning of each fiscal year of the plan. Such amount shall not be less than 10 per cent
of the amount of funds handled. In no case shall such bond be less than $1,000 nor more
than $1,000,000." For plans holding "non-qualified assets" other limit requirements may
apply.

For added protection that guarantees that a plan always has adequate insurance, The
Hartford offers:

ERISASHIELDsm
It automatically covers increases in plan assets for the required amount necessary under
ERISA law. With the ERISASHIELDsm Endorsement, there is no need to actually increase
the limit of insurance on the policy. As the plan assets grow, the limit is automatically
increased to 10% of the plan assets up to a maximum of $1,000,000.