Summary: Category 04 of crime forms in the ISO program lists sixteen optional crime and fidelity insuring agreement endorsements. Many of these endorsements have been updated in the past two years. The endorsements amend the commercial crime policy and coverage form and/or the government crime policy and coverage form by adding various insuring agreements. The changes to these endorsements are the subject of this treatment.
Each endorsement contains language stating that the provisions of the form or policy that the endorsement is attached to apply unless the endorsement modifies those provisions. This is to clarify that all other policy provisions apply unless specified. This article is broken into three sections as follows: