What is the broadest coverage in the Commercial Crime form?

The correct answer is theft coverage, as this type of coverage encompasses a wide range of criminal acts involving the unlawful taking of property. It provides protection against loss of money, securities, and other property due to theft, making it one of the most comprehensive coverages under the Commercial Crime form.

Theft coverage typically includes various scenarios, such as burglary and robbery, thereby extending protection beyond what is offered by other specific forms of crime coverage. This broad scope makes it essential for businesses, as it covers losses that can occur in a variety of ways, ensuring businesses are safeguarded against different forms of theft.

The other types of coverage—employee dishonesty, forgery and alteration, and computer fraud—are more focused and specific. Employee dishonesty coverage protects against losses caused directly by employee theft, while forgery and alteration coverage deals with financial fraud involving falsified documents. Computer fraud coverage specifically addresses crimes committed through computer systems. Each of these has its own particular focus and limitations, making theft coverage the most expansive option available within the Commercial Crime form.