Which commercial crime coverage protects Tim from theft losses resulting from employee actions?

The correct answer is linked to employee theft coverage that specifically addresses the theft of property by employees in designated roles or positions. This type of coverage is essential for businesses that want to ensure that they are protected from theft losses caused by trusted employees who hold key positions within the company.

When having a plan with scheduled positions, it means that specific, identified employees are named in the policy, which allows the insurer to have a clear understanding of who is covered. This kind of coverage often represents a more tailored approach because it allows for premium costs to reflect the risk associated with each individual position.

In the context of the other options, scheduled positions uniquely focus on the individuals named in a policy rather than categorizing all employees or high-security roles. While employee theft coverage for all employees provides broad protection, it does not allow for the same detailed risk assessment linked to specific roles as with scheduled positions. High-security options typically still require a defined level of access or responsibility, which might not account for every employee’s activities adequately.

Ultimately, choosing the coverage that focuses on scheduled positions provides targeted protection, allowing for appropriate differentiation between employees based on their roles and responsibilities, thus effectively managing the risk of employee theft.