Florida Insurance Claims Adjuster License Practice Exam

What does Crime Insurance potentially cover when written as a separate policy or bundled with Employee Dishonesty?

1. Employee benefits

2. Commercial property damage

3. Commercial vehicle accidents

4. Employee dishonesty and crime

The correct answer is: Employee dishonesty and crime

Crime insurance potentially covers theft, burglary, robbery, forgery, computer fraud, and other types of fraudulent activities committed by employees. This option is correct because it explicitly mentions "Employee Dishonesty," which is a common coverage in crime insurance policies. Option A, employee benefits, is incorrect because it refers to a separate type of insurance that covers employee benefits such as health insurance, retirement plans, and disability benefits. Option B, commercial property damage, is incorrect because it refers to damage to commercial property or physical assets, which is typically covered under commercial property insurance. Option C, commercial vehicle accidents, is incorrect because it refers to accidents involving commercial vehicles, which is typically covered under commercial auto insurance. In summary, crime insurance is a separate policy or can be bundled with employee dishonesty coverage to protect against fraudulent activities committed by employees, such as theft and forgery. It