Which crime coverage can pay for losses due to the illegal acts of employees, managers, trustees, and representatives?

Employee Theft coverage is specifically designed to protect a business from financial losses resulting from the dishonest acts of its employees, managers, trustees, or representatives. This type of insurance covers losses such as theft of money, merchandise, or other property in the course of employment, ensuring that businesses can recoup funds lost to fraudulent behavior.

Unlike general theft coverage, which may address broader issues of theft without distinguishing between internal and external sources, Employee Theft explicitly focuses on the actions of individuals within the organization. It provides the necessary safeguard for businesses to mitigate risks associated with employee dishonesty, which can have significant financial implications.

Directors and Officers Liability primarily pertains to claims made against a company's directors and officers for wrongful acts while managing a company, rather than addressing theft by employees. Workers' Compensation Coverage is focused on workplace injuries and does not cover theft or dishonesty issues. General Theft Coverage generally does not provide the specific safeguards required against employee misconduct. Thus, Employee Theft coverage effectively fulfills the need for protection against such internal risks, making it the most appropriate choice in this context.