In a Commercial Crime policy, how is a "messenger" defined?

In the context of a Commercial Crime policy, a "messenger" is defined specifically as the insured or an employee who has care and custody of insured property while outside the premises. This definition is critical because it delineates the responsibilities and risks associated with the transportation of property beyond the company's physical location.

Understanding this role is essential in the context of commercial insurance as it pertains to safeguarding assets that are in transit. A messenger is tasked with ensuring the property reaches its destination safely, making them a key figure in the overall risk management process.

This definition reflects the intention of the policy to cover risks associated with the transportation of valuable items. By identifying the messenger role in this manner, the policy can provide appropriate protection for the property during its movement, which can often be a vulnerable time in terms of security and potential loss.