How long does the employee theft crime policy cover employees temporarily outside the coverage territory?

The correct answer indicates that the employee theft crime policy provides coverage for employees temporarily outside the designated coverage territory for a period of 90 days. This is significant because it reflects a common stipulation in crime policies, ensuring that businesses maintain protection against theft even if their employees are conducting activities outside the usual geographic limits of coverage for a limited time.

Understanding this coverage is crucial for businesses that may have employees working on travel assignments, off-site projects, or other temporary duties beyond the primary location of operations. The 90-day period allows for a reasonable amount of time for business activities to take place outside the normal coverage area, while also mitigating the insurer's risk by imposing a time limitation.

Recognizing the duration of this coverage is essential for ensuring that businesses can adequately protect themselves from potential losses due to employee theft, which could occur unexpectedly while their employees are in unfamiliar environments. It highlights the importance of carefully reviewing insurance policy terms to ensure that they align with the operational needs of a business.