Under the Commercial Crime Form for inside the premises theft of money and securities, if a store is broken into after hours, which would be covered?

• A. Items stolen from the shelves
• B. Cash in the register
• C. Inventory records
• D. Equipment

Answer: (A)

This coverage protects money and securities that are inside the premises at the time of a loss. If a store is broken into after hours, the item most likely covered under this form is cash in the register, since cash is money. Merchandise stolen from the shelves is inventory, not money or securities, so it isn’t covered by this particular coverage. It would require a different crime coverage that protects property other than money and securities, or a separate policy, to respond to theft of stock.