Which commercial crime coverage is necessary for Tim to protect against theft by his money counter?

To understand why the most relevant coverage for Tim in this scenario is employee theft for scheduled positions, it's important to first recognize the specifics of commercial crime coverage and how it applies to situations involving theft by employees.

Employee theft: scheduled positions coverage is tailored to protect businesses against losses resulting from theft committed by employees occupying designated positions within the company. By listing these positions, Tim ensures that he has coverage specifically targeting potential theft by the employees responsible for handling money or valuable assets, effectively minimizing the risk of loss from that critical area.

In the context of this question, if Tim's money counter is a position susceptible to internal theft, this coverage directly addresses that risk. Having protection against theft specifically tied to employees who are entrusted with handling money or valuable property offers a level of reassurance and risk management that generic burglary or other types of theft insurance do not provide.

The other coverage types mentioned, while important in their own contexts, do not specifically address the risk of theft by an employee in a position of trust regarding money handling. For example, employee dishonesty generally covers broader dishonest acts by employees but lacks the specificity of focusing on scheduled positions relevant to money handling. Forged signatures address issues with fraudulent actions affecting financial transactions but don’t cover actual theft of cash or assets