In crime insurance, an employee who is responsible for the care of insured property outside the premises is referred to as:

In crime insurance, an employee responsible for the care of insured property outside the premises is identified as a messenger. This terminology implies that the messenger is entrusted with the safekeeping and transport of valuable property, often moving it between locations, such as from one office to a bank or another secure location.

The role of a messenger is crucial in ensuring that property is not only protected during transit but is also properly handled and secured when not on the premises. This distinction is important in the context of crime insurance coverage, as messengers can have specific coverage parameters that address risks associated with their duties, such as theft or loss while they are transporting insured items.

Understanding the specific roles in crime insurance helps clarify the nuances of coverage and liability. In contrast, other roles like custodian, watch person, or guard pertain to employees who manage property within defined premises or provide security but do not typically have the same responsibilities for the movement of property outside those premises.