Which of the following items is NOT automatically covered in the 3-D policy?

Which of the following items is NOT automatically covered in the 3-D policy?

• A. Fidelity
• B. Wrongful abstraction of securities outside premises.
• C. Forgery or money orders.
• D. Sample being shipped from France.

Answer: (D)

Focus on what a 3-D crime policy is designed to cover automatically: the three crime exposures it targets are Fidelity (employee dishonesty), Forgery or Alteration, and Money Orders and Counterfeit Money. These are the standard internal fraud risks that the policy is built to protect against without additional endorsements. A sample being shipped from France doesn’t arise from fraud, forgery, or counterfeit money, and it involves international shipment of goods rather than an internal theft or forged instrument issue. Addressing that kind of risk would require a different type of coverage (such as cargo or transit insurance or a separate endorsement to extend the crime policy). So, the international sample shipment is not automatically included, while the other listed items fall within the traditional automatic coverages of the 3-D policy.

Focus on what a 3-D crime policy is designed to cover automatically: the three crime exposures it targets are Fidelity (employee dishonesty), Forgery or Alteration, and Money Orders and Counterfeit Money. These are the standard internal fraud risks that the policy is built to protect against without additional endorsements. A sample being shipped from France doesn’t arise from fraud, forgery, or counterfeit money, and it involves international shipment of goods rather than an internal theft or forged instrument issue. Addressing that kind of risk would require a different type of coverage (such as cargo or transit insurance or a separate endorsement to extend the crime policy). So, the international sample shipment is not automatically included, while the other listed items fall within the traditional automatic coverages of the 3-D policy.