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Crime Coverages

Comprehensive Dishonesty, Disappearance and Destruction - Provides comprehensive coverage for employee dishonesty, money and securities, money orders and counterfeit currency and forgery.

Employee Dishonesty - Insures one person who is named as the insured in the policy.

Employee Dishonesty (Schedule) - Insures a number of persons who are scheduled in the policy and for the amount designated opposite the name of each person.

Money and Securities - Covers loss by actual destruction, disappearance or wrongful abstraction.

Money Orders and Counterfeit Papers - Covers loss due to the acceptance of money orders or counterfeit Canadian or United States paper currency in good faith, in exchange for merchandise, money or services. Coverage is normally provided by a Comprehensive Dishonesty, Disappearance and Destruction (3-D) Policy.

Depositor’s Forgery - Covers loss sustained through the forgery or alteration of cheques, drafts, promissory notes, bills of exchange or similar instruments drawn on the Insured's bank account. Coverage is normally provided by a Comprehensive Dishonesty, Disappearance and Destruction (3-D) Policy.

Money and Securities (Robbery) - Covers robbery of money, securities and other property of intrinsic value.

Damage to Building by Robbery or Burglary - Coverage is for damage to buildings owned by the insured or for which the insured is liable. Coverage also includes vandalism or malicious mischief committed on the same occasion.

Stock and Equipment Robbery - Coverage also includes robbery of a watchman and vandalism or malicious mischief committed on the same occasion. Coverage applies when the premises are not open for business. Burglary from showcases and show windows not opening directly into the interior of the premises is covered whether or not the premises are open for business. Damage to show cases and show windows opening directly into the interior of the building is covered.

Safe Burglary - Covers safe burglary and resulting damage to premises and property inside the premises.

Safe Deposit Box Burglary and Robbery - Covers burglary from a safety deposit box located in a bank and robbery while on bank premises. Vandalism or malicious mischief committed at the same time is also covered.

Safe Deposit Box Securities - Covers loss of securities from a safety deposit box located in a bank or while temporarily removed from the safety deposit box but still on bank premises.

Office Burglary and Robbery (Four Point) - Covers four categories of crime, being (1) inside robbery, (2) outside robbery, (3) safe burglary (including burglary of money and securities not in safe for 10% of the amount otherwise payable) and (4) damage to property and premises.

Office Burglary and Robbery (Seven Point) - Covers seven categories of crime, being (1) inside robbery, (2) outside robbery, (3) safe burglary (including burglary of money and securities not in safe for 10% of the amount otherwise payable), (4) kidnapping, (5) theft of money and securities in night depository or custodian's home, (6) theft of equipment from within office premises and (7) damage to property and premises.

Church Theft - Covers theft of money, securities and property from the premises, a night depository or while in the care and custody of a person authorized to have such care and custody. Damage to premises and property caused by theft or attempted theft is also covered. For money lost before being recorded and counted, reasonable estimates are acceptable in determining amount of loss.

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