Which coverage applies in the event of a mysterious disappearance in commercial crime policies?

In commercial crime policies, coverage for mysterious disappearances typically requires that the property can be documented as having been lost. This means that there must be some evidence or proof that the property existed and was in the possession of the insured prior to its disappearance. This documentation could include things like inventory records, invoices, or loss reports that help establish that the property was indeed present and subsequently went missing.

This focus on documentation ensures that insurers can validate claims and that the insured is not claiming loss on items without substantiation. The nature of mysterious disappearances involves situations where property is unaccounted for without clear evidence of theft or damage, and the reliance on documentation helps to mitigate the risk of fraudulent claims.

The other options do not align with standard industry practices for handling mysterious disappearances within commercial crime policies. Overall, understanding the emphasis on documentation clarifies how coverage is applied in situations of loss when the circumstances are unclear.