What might trigger a claim on a fidelity bond?

Fidelity bonds are designed specifically to protect businesses from losses caused by dishonest or fraudulent actions of employees. When an employee commits theft, such as stealing company money, it directly triggers a claim on a fidelity bond. This type of bond reimburses the insured business for losses incurred due to such wrongful acts, ensuring financial protection against employee dishonesty.

The other scenarios do not activate a fidelity bond claim. For instance, an employee's work-related injury generally falls under workers' compensation insurance, which handles employee injuries but does not pertain to theft or dishonesty. Losses from a fire incident would typically be covered by property insurance, not fidelity bonds, as they do not address employee misconduct. Lastly, an employee taking unauthorized leave is a policy or disciplinary matter and does not involve financial theft or dishonesty, thus not affecting a fidelity bond.