What kind of exposure does a Crime Policy address?

A Crime Policy is specifically designed to address the risk of loss due to criminal activities such as theft, burglary, fraud, or employee dishonesty. It provides coverage for businesses and individuals against these types of exposures, which can lead to significant financial losses.

By focusing on higher than normal crime exposure, the Crime Policy aims to protect assets from various criminal acts and ensure that insured parties can recover from such unexpected incidents. This is particularly important for businesses that may carry cash, valuable inventory, or sensitive information that could be targeted by criminals.

The other options do not align with the purpose of a Crime Policy. Low-risk exposures may not necessitate such coverage, as the likelihood of loss is minimal. Medical malpractice is addressed under professional liability insurance, which covers specific professional practices and does not fall under a Crime Policy. Personal assets are generally covered under homeowners or property insurance rather than a specialized crime coverage, which is more focused on the risks associated with criminal acts.