Items Covered
This policy covers loss of money, securities or other non-negotiable instruments accepted for cash as part of the usual check cashing operation. It does not intend to cover other fidelity or crime exposures that may arise from other operations on the same or other premises.

This coverage is designed for business operations that cash checks and other negotiable instruments, such as money orders, food stamps and travelers checks, for a fee. No coverage is afforded for such risk as non-sufficient fund checks, which are considered a business risk in this type of operation, or fraudulent items.

Basic Underwriting Requirements
The following guidelines are the minimum requirements to qualify for the issuance of a blanket bond policy:

Safe: Class E
Alarms: Central station
Checks: Checks should be stamped "For Deposit Only" immediately upon receipt
When closed: All money and other securities should be locked within the safe

Coverage A: Fidelity
This coverage offers protection against loss arising from the activities of an employee who receives a financial gain as a result of his/her dishonest activity. The insured must be able to document the actual loss suffered.

Coverage B: On Premises
On Premises coverage offers protection against loss arising on the premises for causes including burglary, robbery, holdup and safe burglary by individuals other than employees, owners, etc. This policy can be customized to suit your individual needs.

Coverage C: In Transit
In Transit coverage affords protection while your money is being transported by an armored carrier. It can be extended to include outside the premises by messenger for an additional premium.

Coverage D: Check Forgery
This coverage offers protection against loss arising from alteration of a check or forgery of the owner's signature.

Coverage E: Damage to Insured's Office
This coverage affords protection to your office equipment if damaged by theft or attempted robbery.

Policy Wording
This is the standard check cashing blanket bond issued by Mesirow Insurance Services, Inc.

Limits Available
The amount of the bond purchased provides the same coverage limits for A, B, C, D and E.