Which description best characterizes a comprehensive 3-D policy?

• A. A standard property policy with added endorsements.
• B. A liability-only policy with no crime coverage.
• C. A worker's compensation policy.
• D. A combination fidelity crime insurance policy designed to offer the widest possible protection.

Answer: (D)

A comprehensive 3-D policy aims to provide broad protection across three risk dimensions: property, liability, and crime. It’s designed to guard physical assets, cover third‑party claims, and shield financial interests from crime-related losses, including employee dishonesty.

The description that ties together fidelity (employee dishonesty) with crime insurance to offer the widest protection fits this goal best. It reflects a single, broad policy structure meant to minimize gaps between coverage areas and maximize overall protection. By contrast, a standard property policy with endorsements may still miss some crime exposures; a liability-only policy omits property and crime risks; and workers’ compensation covers only work-related injuries, not the asset or crime risks central to a 3-D approach.