GOVERNMENT FIDELITY AND FORGERY POLICY - CR 00 30–DISCOVERY FORM AND CR 00 31–LOSS SUSTAINED FORM

(January 2026)

INTRODUCTION

The Insurance Services Office (ISO) Government Fidelity and Forgery Policies are restricted versions of the ISO Government Crime Coverage Form or Policy. Many parts of the ISO Government Crime Coverage Form or Policy are not in the Government Fidelity and Forgery Policies. It is available only as a separate, "Fidelity Only" Policy.

There are two different policy forms:

• CR 00 30–Government Fidelity and Forgery Policy (Discovery Form)
• CR 00 31–Government Fidelity and Forgery Policy (Loss Sustained Form)

This analysis compares CR 00 31–Government Fidelity and Forgery Policy (Loss Sustained Form) to CR 00 27–Government Crime Policy (Loss Sustained Form).

Related Article: ISO Government Crime Coverage Forms and Policies

The changes from the 06 22 edition have been incorporated into this article and highlighted in bold.

CR DS 08–GOVERNMENT FIDELITY AND FORGERY POLICY DECLARATIONS

The only difference between the CR DS 08–Government Fidelity and Forgery Policy Declarations and DS 04–Government Crime Policy Declaration is that the only Insuring Agreements listed are:

1. Fidelity

a. Employee Theft-Per Loss Coverage

b. Employee Theft-Per Employee Coverage

2. Forgery or Alteration

a. Forgery of Negotiable Instruments

b. Forgery of Payment Card Instruments

CR 00 31–GOVERNMENT FIDELITY AND FORGERY POLICY (LOSS SUSTAINED FORM) ANALYSIS

INSURING AGREEMENT

The following Insuring Agreements in the Government Crime Policy are not in the Government Fidelity and Forgery Policy:

• A.3. Inside the Premises–Theft of Money and Securities
• A.4. Inside the Premises–Robbery or Safe Burglary of Other Property
• A.5. Outside the Premises
• A.6. Computer Fraud And Funds Transfer Fraud
• A.7. Fraudulent Impersonation
• A.8. Money Orders and Counterfeit Money

The Government Fidelity and Forgery Policy exclusively encompasses the Employee Theft – Per Loss, Employee Theft – Per Employee, and Forgery or Alteration Insuring Agreements. The wording in these Insuring Agreements is identical to that of the same Insuring Agreements in the Government Crime Policy.

LIMITS AND DEDUCTIBLES

The Limits and Deductible sections are identical in both forms.

EXCLUSIONS

The following exclusions, located in the Government Crime Policy, are not included in the Government Fidelity and Forgery Policy.

· Governmental Action

· Kidnap, Ransom, Extortion, and Other Unlawful Demands

· Nuclear, Biological, or Chemical Hazard

· Pollution

· War and Military Action

· Exclusions applicable to Insuring Agreements A.3., A.4., A.5., A.6., A.7., and A.8. of the Government Crime Policy are not included in the Government Fidelity and Forgery Policy, as it does not cover those specific Insuring Agreements.

CONDITIONS

In the Government Crime Policy section 2. Additional Conditions Applicable to Specific Insuring Agreements A.5. and A.7. do not apply to the Government Fidelity and Forgery Policy since these Insuring Agreements are not applicable to the Fidelity and Forgery policy.

Conditions E.1.a. is titled 'Additional Premises or Employees' in the Government Crime Policy, but in the Government Fidelity or Forgery Policy, Conditions E.1.a. is titled 'Additional Employees'. This difference exists because premises is not relevant to Insuring Agreements 1 and 2 in the Government Fidelity or Forgery Policy.

DEFINITIONS

The terms defined below in the Government Crime Policy are not included in the Government Fidelity and Forgery Policy since the coverages they apply to are not part of the policy.

· Authorized person

· Change of account request

· Client

· Computer system

· Counterfeit money

· Custodian

· Electronic data

· Financial institution

· Financial Institution Premises

· Messenger

· Premises

· Robbery

· Safe burglary

· Transfer account

· Transfer instruction

· Vendor

· Watchperson