In the context of the Commercial Crime Coverage Form, how is an "employee" defined?

The definition of "employee" in the context of the Commercial Crime Coverage Form encompasses current, past, and temporary individuals who have provided services for compensation. This broader definition is crucial because the coverage may need to respond to claims that involve actions by former employees or temporary workers, ensuring that businesses are protected from potential theft or dishonesty committed by anyone who has ever had access to the business's property or funds through their employment.

By including past and temporary individuals, the coverage recognizes that the risk of employee-related dishonesty is not limited to just those who are currently employed. For example, a former employee who retains knowledge of the business operations or has access to sensitive information could still pose a risk. Therefore, including all categories of individuals who have been compensated for their work aligns with the intention of providing comprehensive protection against crime-related losses connected to employee actions.

The other options are more restrictive and would not align with the extensive coverage needed in the commercial crime context. Limiting the definition to only current employees, or those only classified as full-time staff, would leave a significant gap in coverage when it comes to losses arising from individuals who were once part of the organization, thus undermining the protective intent of the policy.