Jewelers block insurance was conceived at the turn of the 20th century. It provides coverage under a single policy for the “various risks inherent” in the jewelry business. In the present case, the policy excluded from coverage theft from a vehicle unless the insured or a designated employee was “actually in or upon” the vehicle at the time of the theft. As the Minnesota Supreme Court has observed, “The [exclusion] was obviously intended to cover any situation where a loss occurred when the property was not protected by the presence of someone in or upon the car.
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