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About the Program

Article 19 of the F.O.P. Constitution and Bylaws requires each state and local lodge to maintain employee dishonesty coverage to protect lodge funds from dishonest acts by lodge members.

This program fulfills this requirement and offers the following coverage features:

  • 3 Year Prepaid Policy (Kentucky lodges must add a 1.5% surcharge to premium)
  • Optional Limits and Deductibles
  • Broadest definition of covered Employees and Financial Loss
  • Automatic Renewal – No new application required for loss-free lodges.
  • Available to F.O.P. Lodges in all states, except Hawaii

Underwritten By

Hartford Fire Insurance Company–Rated A+ by A.M. Best Company


Blanket Employee Dishonesty Coverage– Insures for loss of money, securities and other property caused by fraudulent or dishonest acts of any employee against the F.O.P. Lodge.

Definition of Employee includes all officers, directors, volunteers and committee chairpersons whether compensated or not.

Effective Date of Coverage

  • Coverage will be effective upon receipt and review of a completed application and payment.

Limits, Deductibles and Premium

Limit* Deductible 3-year Pre-paid Premium
$25,000 $250 $308
$50,000 $500 $435
$100,000 $1,000 $605
$200,000 $2,000 $734
$300,000 $3,000 $861

* Limits requested over $25,000 are subject to additional underwriting requirements.
** Premium is considered fully earned at coverage inception.

Fidelity FOP Application


  • All necessary documentation will be sent in the order received. Please allow up to 72 business hours before contacting Lynn Young at 419-724-8726 with questions.
  • The Company reserves the right to decline coverage after reviewing the application.
  • Coverage is continuous until canceled by request of the Lodge or by non-payment of 3-year insurance premium to Hartford.
  • The Fidelity Bond Program is not a plan offered or covered by FOP Legal Plan, Inc. The Fidelity Bond Program is offered and insured by an outside independent insurance company and is endorsed by The Grand Lodge FOP.