Which of the following is NOT typically covered by a fidelity bond?

A fidelity bond is a type of insurance designed to protect businesses from losses caused by dishonest acts of employees, including theft, fraud, or misappropriation of funds. These bonds provide coverage for specific acts of dishonesty but do not extend to other types of risks.

Natural disasters, such as earthquakes, floods, or hurricanes, are typically covered under different types of insurance policies, such as property insurance. These events fall outside the realm of employee misconduct and are not related to fidelity or dishonesty, which is why they are not covered by fidelity bonds.

In contrast, employee theft, intentional fraud, and misappropriation of funds are all acts of dishonesty that a fidelity bond is specifically designed to cover. This type of bond helps businesses safeguard their assets against potential losses resulting from the unethical actions of their employees. Understanding the specific coverages and exclusions of fidelity bonds is crucial for proper risk management within a business.