Commercial LinesQuestion 111 of 531100% of test-takers answer this correctly

Under commercial crime terminology, what distinguishes a robbery from a burglary?

a.Robbery occurs only at night between sunset and sunrise; burglary occurs only during posted business hours while employees are on the premises, so the time on the police report decides which coverage applies
b.Robbery applies only to merchandise and stock in trade; burglary applies only to money and securities held in a safe or vault, so the two never insure the same class of property at one location under the same commercial crime policy
c.Robbery involves taking property from a person by threat or force; burglary involves unlawful entry into closed premises with visible signs of forced entry
d.There is no difference; the terms are used interchangeably in the standard commercial crime policy

Explanation

In the commercial crime coverage form, robbery means the unlawful taking of property from the care and custody of a person by one who has caused or threatened bodily harm or has committed an obviously unlawful act witnessed by the person. Burglary (or 'safe burglary') is the unlawful taking of property from inside the premises (or a locked safe/vault) by a person who unlawfully entered or exited as evidenced by marks of forcible entry or exit.

Law Reference: ISO Commercial Crime — definitions of robbery and burglary

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