Ace Your 2025 New York General Adjuster (10-70) Test – Adjust, Excel, Repeat!

Messenger coverage is designed specifically to protect against the loss of money and/or securities while they are being transported off the insured's premises. This type of coverage is important for businesses that regularly handle cash or financial instruments and need to ensure that they are safeguarded during transit. Messenger coverage typically extends protection for employees who are responsible for transporting these assets, providing peace of mind that any loss or theft that occurs while these items are in transit is covered.

On the other hand, employee dishonesty coverage focuses on losses resulting from fraudulent acts committed by employees, such as theft or embezzlement, but does not specifically address the risks associated with transporting assets. Theft coverage generally provides protection against losses due to theft that occurs on the premises, whereas burglary coverage secures losses from forcible entry or exit. Neither of these options speaks directly to the situation of transporting money or securities, which is the core aspect of messenger coverage.