What does Computer Fraud coverage primarily protect against?

• A. Loss of money, securities and other property resulting from using a computer to fraudulently transport from inside the insured's premises to a person or place outside the premises, which encompasses anywhere in the world.
• B. Damage to the building caused by fire.
• C. Theft of cash in transit by a thief not using a computer.
• D. Vandalism of the insured's property

Answer: (A)

Computer Fraud coverage is about financial losses that happen when someone uses a computer to fraudulently instruct or cause a transfer of money or property. The best choice describes loss of money, securities, and other property that is transferred via a computer from inside the insured’s premises to a recipient or location outside the premises, potentially anywhere in the world. This captures the core idea: a computer-driven fraud leads to the unauthorized transfer of funds or property.

The other options involve events not caused by computer-based fraud—fire damage to a building, theft of cash in transit without any computer involvement, and vandalism—so they aren’t covered by Computer Fraud.