What type of commercial crime insurance might cover the loss Jill experienced upon finding the bank's vault blown open?

The type of commercial crime insurance that would cover the loss Jill experienced upon finding the bank's vault blown open is often focused on the protection against risks associated with theft of money and securities that occurs within the premises of the insured business. Inside the Premises: Theft of Money and Securities specifically addresses situations like theft, robbery, or other crimes that involve money and securities while they are physically located inside the business premises.

In this case, the incident of the bank's vault being blown open suggests a direct theft of money or securities that were stored securely inside the bank, making this type of coverage applicable. It is designed to provide financial protection against losses resulting from criminal activities that target the physical assets of the organization while still under their control.

Other types of insurance, such as Outside the Premises Theft, would pertain to theft that occurs when money or securities are transported or stored outside the business premises, while Forgery Insurance is designed to cover losses incurred due to fraudulent signatures or alterations on financial documents, which does not apply to theft situations. Business Income Insurance focuses on loss of income due to business interruption rather than directly covering theft or criminal activity. Thus, the specific nature of Jill’s situation aligns best with Inside the Premises: Theft of Money and