State Farm Insurance License Practice Exam

Who is defined as a messenger in a crime policy?

1. A person providing transportation for goods

2. An insured, partner, or employee with custody of property

3. A delivery driver for domestic shipments

4. A security guard monitoring premises

The correct answer is: An insured, partner, or employee with custody of property

In the context of a crime policy, a messenger is specifically defined as an insured, partner, or employee who has custody of property. This definition is critical because it emphasizes the role of individuals who are entrusted with the protection and safeguarding of valuable items or assets. Messengers are directly involved in the handling and transport of these goods and therefore play a pivotal role in the overall risk assessment and coverage considerations of crime insurance policies. This definition aligns with the needs of crime insurance to address theft or loss incurred while property is in the custody of a person who is legally responsible for it. It highlights the importance of recognizing those who are not just involved in transportation but also bear a level of accountability over the property they handle. Other options do not align with this precise definition as they either describe roles that do not encompass the responsibilities or legal obligations relevant to a messenger in the context of a crime policy.