Arkansas Insurance Adjuster Practice Exam

In a Commercial Crime policy, who is defined as a messenger?

1. Someone with custody of property inside the premises

2. Only hired persons for indoor custody

3. Someone with property custody outside the premises

4. Hired for transporting property to another location

The correct answer is: Someone with property custody outside the premises

In a Commercial Crime policy, a messenger is defined as a person who has custody of property outside of the premises. This means that they are responsible for the transportation of property to another location. Option A is incorrect because it is not limited to people inside the premises, while option B is too narrow as it only includes hired individuals. Option D is also incorrect because it does not specify that the property must be transported to another location. It is important to specify exactly who is considered a messenger in a Commercial Crime policy, to ensure the proper coverage for any potential losses.