COMMERCIAL CRIME (INSURANCE)

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COMMERCIAL CRIME POLICY

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1. 1. money

   1. 2. employee dishonesty

   2. 3. theft

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(COMMERCIAL)

CUSTODIAN

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has care/custody of property, including money, inside premises (includes insured and employees)

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(COMMERCIAL)

MESSENGER

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has care/custody of property, including money, outside the premises (includes insured, employees, armored car service)

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(COMMERCIAL)

WATCHPERSON

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hired-ONLY job is care/custody of property inside (guard)

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BURGLARY

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attempted/taking of property of another-unlawful entry-evidence of forced entry required

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SAFE BURLGARY

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taking property from within a locked safe-evidence of forced entry required-or taking entire safe

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ROBBERY

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unlawful taking of property-must have caused/threatened bodily injury

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THEFT

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broad term-includes others-unlawful taking of property-includes taking by stealth (shoplifting)

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MYSTERIOUS DISAPPEARANCE

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property vanished with no explanation-no signs of forced entry, theft ruled out

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CRIME COVERAGE FORMS (2)-DETERMINED BY INSURER

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loss sustained-happened during policy period or up to 1 yr after expires

discovery-happened any time, discovered during policy period or up to 60 days after