Commercial Crime Forms can be written as which options?

• A. As a separate policy with its own Declarations and Conditions, or as a package policy bundled with Employee Dishonesty
• B. Only as a rider to a general liability policy
• C. Only as a standalone policy with no Declarations
• D. Only for governmental entities

Answer: (A)

Commercial crime insurance can be written in two main ways: as a standalone policy or as part of a package policy that includes other coverages. When written on its own, it has its own Declarations page and separate Conditions, which lay out who is insured, the policy period, the limits, premium, and the duties and procedures after a loss. Alternatively, it can be included in a package policy that bundles crime coverage with other lines, such as Employee Dishonesty. This setup allows flexibility for insureds to obtain crime protection either independently or alongside other coverages in a single policy. It isn’t limited to riders to general liability, nor restricted to standalone policies without Declarations, and it isn’t exclusive to governmental entities.