When Crime Insurance is written as a package policy, it is bundled with which coverage?

• A. Employee Dishonesty
• B. General Liability
• C. Auto Insurance
• D. Workers' Compensation

Answer: (A)

The main idea here is what Crime Insurance typically covers when it’s included as part of a package policy. In a package policy, the Crime coverage is built to address internal risks a business faces, and a core part of that risk is dishonest acts by employees. Employee Dishonesty (fidelity) coverage protects against losses from theft, embezzlement, forgery, and similar dishonest acts by employees, which are exactly the kinds of exposures Crime Insurance aims to cover. When Crime Insurance is packaged with other coverages, this fidelity protection is the most common companion because it directly addresses the chief internal threat that authorities, owners, and insurers want to guard against.

The other coverages listed—General Liability, Auto Insurance, and Workers’ Compensation—are important parts of a commercial package but represent different risk areas (third-party liability, vehicle liability, and employee work injuries, respectively) rather than the internal, theft-related risk that Crime Insurance is designed to handle.