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Programs that provide insurance which protects employers from financial loss due to employee dishonesty. Included are fidelity bonds that employers can purchase commercially that expressly rule out coverage of individuals who have already committed a fraudulent or dishonest act, and those with broader coverage that serve as an incentive for the organization to hire an ex-offender or a job applicant who has other personal risk factors e.g., a history of substance abuse and treatment, a poor credit record or a dishonorable discharge from the military. Fidelity bonding for high risk individuals can be requested by either the employer or the job applicant and is generally in force until the individual becomes eligible for coverage under commercial bonding programs.