Standard Property / Fire and Money Policies do not normally cover losses of property sustained on account of theft, pilferage, and fraudulent activities by one’s own employees. It may not be easy to think of your own employees in a negative light, but the risks are real—employee theft costs employers millions of Dirhams every year and such incidents are continuously on the rise. Small & Medium businesses are especially vulnerable, especially those who are not financially able to absorb large losses or cannot afford extensive precautions and safeguards.