Cash and securities are the easiest things to steal, so crime forms insure them on their own terms, inside and outside the premises.

Inside the Premises covers money and securities inside the premises or banking premises against theft, disappearance and destruction. An unexplained disappearance qualifies, and marks of forced entry are not required. The thief must be present inside the premises or banking premises, so a hacker who drains the account from overseas does not qualify; that exposure belongs under computer and funds transfer fraud coverage. The form also pays for damage to the premises (if the insured owns it or is liable for it) and to a locked safe, from an actual or attempted theft.

Outside the Premises covers money and securities outside the premises while in the care of a messenger or an armored motor vehicle company. An employee carrying the day's deposit to the bank is a messenger.

Outside the Premises treats two kinds of property differently. Money and securities are covered for theft, disappearance or destruction. Other property, such as a laptop or jewelry the messenger carries, is covered only for an actual or attempted robbery.