Which individual is NOT considered a "custodian" in commercial crime insurance?

In the context of commercial crime insurance, the term "custodian" specifically refers to individuals who have care and control over the property being insured. This includes employees who are responsible for managing or safeguarding assets and the insured parties who own the property. Additionally, partners in a business also fit this definition, as they often share responsibility for business assets.

A customer, however, does not fall under the definition of "custodian." Customers do not typically have the responsibility or control over the property in the same way that employees, insured individuals, or partners do. They are merely external parties who engage in transactions but do not have the duty or authority to safeguard or manage the assets insured under a commercial crime policy. Therefore, identifying a customer as NOT being a custodian aligns with the definitions and roles as outlined in commercial crime insurance policies.