In a Commercial Crime policy, how is a "messenger" defined?

In the context of a Commercial Crime policy, a "messenger" is typically defined as an individual who is entrusted with the safe transport of money, securities, or other valuable items from one location to another. The definition usually emphasizes the role of the messenger as it relates to the protection of these items while they are in transit or within the premises.

The term "inside the premises" signifies that the messenger operates within the confines of the insured's property. However, it's crucial to understand that the messenger's duties predominantly involve protecting and transporting valuables, thereby imposing a responsibility on them while they are in secure areas. Defining the messenger as someone who acts within the premises captures the essence of their role in ensuring the safety of valuables when they are not yet en route outside.

This definition aligns with the expectations of policyholders, who would want clear delineation of who is responsible for safeguarding assets while they are located on their property. In contrast, the other choices revolve around different contexts of location that do not accurately encapsulate the specific duties associated with a "messenger" under a Commercial Crime policy.