My organization, which provides services to senior citizens, sub-contracts with service companies to provide home health or housekeeping services to our individual senior citizen clients. These individual aides visit our clients' homes to provide these services. We carry employee dishonesty coverage. Would this cover theft from our clients by these sub-contracted aides?

Ohio Subscriber

Unendorsed employee dishonesty coverage only responds to losses that an employer suffers from dishonesty of its own employees. Therefore, unendorsed employee dishonesty crime coverage would not respond to the situation you describe, because: 1) your organization wouldn't suffer a loss; and 2) these aides are sub-contractors, not employees.