Which item is automatically covered under the 3-D policy?

• A. Forgery or money orders
• B. All of the above
• C. Wrongful abstraction of securities outside premises
• D. Sample being shipped from France

Answer: (C)

The 3-D policy is designed to protect against losses caused by dishonest acts by employees. A classic example is when someone with access to securities misappropriates them, even if the act happens away from the employer’s premises. That’s why the wrongful abstraction of securities outside the premises fits as automatic coverage under this policy—the act is a direct product of employee dishonesty involving securities.

The other scenarios don’t illustrate that specific risk type as clearly. Forgery or money orders can involve fraud, but may not automatically fall under the 3-D policy’s standard scope without additional endorsements or separate coverage. A sample being shipped from France isn’t tied to an employee’s dishonest act against the firm’s assets, so it isn’t the typical automatic 3-D coverage instance.