What type of loss is typically covered under the Inside Premises: Theft of Money and Securities?

The correct answer pertains to theft that occurs during a robbery, which is typically covered under the Inside Premises: Theft of Money and Securities policy. This coverage is designed specifically for losses related to money and securities that are stolen during criminal acts, including robberies. In situations where a thief forcibly enters a premises or threatens individuals to obtain money or securities, the policy is activated to address the financial loss sustained due to such criminal activities.

Understanding the nuances of coverage is essential for adjusters, as it helps in assessing claims accurately and providing proper guidance on policy limits and exclusions. Loss of money and securities in the context of a robbery is a clear-cut situation that policy language seeks to address, making it a significant aspect of the coverage.

The other options do not align with the specific types of theft covered under this policy. Theft caused by employees or resulting from employee negligence typically falls under different policies or exclusions, while theft during natural disasters may relate to property damage rather than theft, emphasizing the focus of this coverage on direct criminal activity.