An employee of a small, private firm embezzles $250,000 from her employer over a four-year period. The employee obtained the necessary signatures on the checks either by altering the payee upon being signed by an authorized individual or by using a facsimile signature stamp. She then issued checks in her name and purchased items for her personal use. The firm was reimbursed for their loss.

An accounting firm places several of their employees with one of their clients to help complete the client's monthly payroll. As a part of the accounting firm's placement contract with the client, they are required to provide protection against theft by their employees. One of the accounting firm's employees steals several of the client's laptops. The accounting firm reimburses its client and is paid for their loss.

An unknown individual gains access to an insured's accounts and obtains checking account numbers. The individual creates $5,000 in fictitious checks using the insured's account numbers and cashes the checks at a check cashing business. The check cashing company contracts the insured requesting it transfers funds for the fraudulent checks they have paid. The insured is paid for the loss and is able to reimburse the check cashing company.

The insured's store manager dropped a deposit at the bank. The insured went to the bank several days later to pick up the deposit slip and was informed that the deposit was never made. The insured confronted the store manager, who said that the deposit was in fact made. The insured contacts the police. The store manager passed a lie detector test when questioned about the matter. The insured does not have ample evidence to show that an employee stole the deposit; therefore, coverage is triggered under Theft, Disappearance and Destruction.

An insured had just finished closing his retail establishment for the day. He walked out to leave when an armed robber approached him and forced him to go back into the store. The robber demanded money and forced the insured to open the safe where the daily cash receipts were held. The robber took the money from the safe and left. The insured was reimbursed for the loss.

A customer of an insured purchases $5,000 worth of goods. The insured receives payment in cash or by money order. The insured later finds that the cash or money order received was counterfeit. The insured is reimbursed for the counterfeit currency or money order.

A bank receives a telephone call from a woman posing as an employee of their client, a small not-for-profit scholarship fund. It is the employee's job to request funds transfers. She instructs the bank to wire $75,000 into the account of a reception hall so they can reserve it for their annual fundraiser. Since the caller has made numerous similiar funds transfer requests in the past, the bank wires the funds. The imposter withdraws the funds from the bank account she set up for the nonexistent reception hall. The scholarship fund was reimbursed for their loss.