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Fidelity (Theft by Employee) Insurance

Available as an optional extension for all Cleaner Saver customers

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Excellent 4.7 out of 5

Cleaner Saver’s Employee Fidelity Insurance


Our Fidelity cover includes:

  • £5,000 of cover any one claim
  • £25,000 of cover for all claims in any one year

At Cleaner Saver, we understand the unique risks faced by cleaning businesses in the UK. Our Fidelity (Theft by Employee) Insurance is designed to protect your business from financial losses resulting from dishonest or fraudulent acts committed by employees.

Whether you’re a small domestic cleaning service or a large commercial cleaning company, this coverage is crucial for protecting your assets and maintaining trust in your organisation.

What is Fidelity (Theft by Employee) Insurance?

Fidelity Insurance, also known as Employee Dishonesty Insurance or Theft by Employee Insurance, is a cover that protects businesses against losses caused by fraudulent or dishonest acts committed by employees. This can include theft of money, securities, or other property.

For cleaning businesses, where employees often have access to clients’ properties and valuables, this insurance is particularly important. It provides a safety net against potential internal threats, helping to maintain your reputation and financial stability.

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Why choose Cleaner Saver fidelity (theft by employee) insurance?

Save £££ on your insurance Save on your insurance

Customers are always telling us how much they saved by switching

Trusted for over 40 years Trusted for over 40 years

We’ve been providing insurance to businesses since 1984

Financial Strength Financial Strength

All insurance policies provided by Standard & Poor’s A rated insurers

Defaqto 5 Star rated

Our Tradesman Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.

How our fidelity (theft by employee) insurance works

1 Apply online

Complete our simple quote form with basic details about your business.

2 Get quotes

Compare quotes from our panel of insurers & chose any optional covers you may need.

3 You’re insured!

Choose the quote that’s right for you, activate your policy and view your certificates online.

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Why do cleaning businesses need Fidelity Insurance?

Cleaning businesses face unique risks when it comes to employee theft and fraud. Here’s why Fidelity Insurance is crucial for your cleaning company:

  • Trust and Access: Cleaners often work unsupervised in clients’ homes or offices, having access to valuable items and sensitive information.
  • Financial Protection: It covers financial losses that could otherwise be devastating to your business.
  • Client Confidence: Having this insurance demonstrates to clients that you take their security seriously.
  • Employee Screening: Some policies may require thorough employee background checks, adding an extra layer of security to your hiring process.
  • Comprehensive Coverage: It can cover various forms of employee dishonesty, from outright theft to more subtle forms of fraud.

What does our Fidelity Insurance cover?

Our Fidelity policy is designed to provide comprehensive protection for cleaning businesses. Here’s what it covers:

  • Direct financial loss due to employee theft
  • Theft of client property during cleaning services
  • Disappearing stock or inventory manipulation
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Chosen by over 5000 businesses and counting*

Chosen by over 18761 businesses and counting

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the date you select.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/10/2025

How much does Fidelity Insurance cost?

The cost of Fidelity Insurance can vary depending on several factors:

  • Size of your cleaning business
  • Number of employees
  • Annual turnover
  • Previous claims history
  • Level of coverage required

At Cleaner Saver, we strive to offer competitive rates and offer a flat charge, per employee for this additional cover.

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FAQs

Fidelity (Theft by Employee) Insurance FAQs

Fidelity Insurance works alongside other crucial insurance policies to provide comprehensive protection for your cleaning business:

Public Liability Insurance

While Fidelity Insurance covers internal threats, Public Liability insurance can protect against claims from third parties.

Employers’ Liability Insurance

This covers injuries or illnesses your employees might suffer at work, complementing the protection against their potential dishonest acts.

Professional Indemnity Insurance

This covers mistakes in your professional services, while Fidelity Insurance focuses on intentional dishonest acts.

If you suspect employee theft or fraud, follow these steps:

  1. Contact us immediately: Time is crucial in fraud cases.
  2. Gather evidence: Collect any proof of fraudulent activity.
  3.  File a police report: This may be necessary for larger claims.
  4. Complete our claim form: Provide all relevant details about the incident.
  5.  Cooperate with the investigation: We may need additional information to process your claim.
  6. Our dedicated claims team will guide you through the process, ensuring it’s as smooth and stress-free as possible.

While not legally required, Fidelity Insurance is highly recommended for cleaning businesses due to the nature of the work and the access employees have to clients’ properties.

Yes, our policies cover temporary, contract, and permanent employees, providing the necessary pre-employment checks have been undertaken.

We understand the sensitive nature of employee theft claims. Our process is designed to be discreet and confidential to protect your business’s reputation.

Implementing strong internal controls, conducting thorough background checks, and fostering a culture of integrity can help reduce the risk of employee theft.

Why choose Cleaner Saver for your Fidelity Insurance?

  • Specialist Expertise: We understand the unique risks faced by cleaning businesses.
  • Tailored Policies: Our insurance solutions are specifically designed for the cleaning industry.
  • Competitive Pricing: We offer affordable rates without compromising on coverage.
  • Excellent Customer Service: Our UK-based team is always ready to assist you.
  • Quick and Easy Process: Get a quote and purchase your policy online in minutes.
  • Comprehensive Protection: We offer a range of insurance products to fully protect your cleaning business.

Protect your cleaning business today

Don’t leave your business vulnerable to employee theft and fraud. With Cleaner Saver’s Fidelity Insurance, you can have peace of mind knowing that your business is protected against internal threats.

Ready to safeguard your cleaning business? Get a quote today and join the thousands of cleaning professionals who trust Cleaner Saver for their insurance needs.

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