What type of commercial crime coverage protects Tim from losses due to theft by a money counter?

The choice indicating "Employee theft: scheduled positions" is pertinent because this type of coverage specifically protects a business from theft perpetrated by employees in designated positions that are listed or scheduled in the insurance policy. In cases where Tim suffers losses due to theft by an employee using a money counter, having the employee's position scheduled ensures that any fraudulent acts committed by that individual are covered.

With this coverage, the insurer provides a clear outline of which positions within the company are protected, thus giving Tim peace of mind that theft by trusted employees in those roles will be compensated. Scheduled positions typically involve those who have significant access to company assets, and the money counter falls within this scope of vulnerability.

The other options do not adequately fit the scenario. Unscheduled positions only cover theft by employees that are not specifically listed, thus potentially excluding the individual responsible for the theft in this case. Fidelity bonds serve a different purpose, typically covering losses due to employee dishonesty, but usually in a more generalized scope without the specific scheduled position detail. Burglary coverage deals primarily with theft involving forced entry or similar situations, which wouldn’t apply in instances of employee theft.