Why is commercial crime coverage important?

Commercial crime coverage is needed to cover against disappearance, theft or destruction of money and securities. Crime coverage is absolutely essential for any business dealing in cash, check and credit card transactions. The particular crime form needed depends on the exposure for a given business. Form CR0004 is a good form for money and securities and broad enough to cover many typical retail operations against theft of money. Limits are specified for money on premises and off premises. Also, it is important to add coverage for employee dishonesty which can be done with form CR0001 which will have its own specified coverage limit.