Employers Mutual Casualty Co. v. DGG & Car, Inc.

**What Happened** This case involved a dispute over insurance coverage when an employee stole money from their employer, DGG & CAR, Inc. The employee committed multiple thefts over time, and the company filed an insurance claim under their employee fidelity policy (which protects employers against employee theft). The insurance company, Employers Mutual, argued they only had to pay out once since all the thefts were committed by the same person, while DGG & CAR believed each theft should be treated separately, resulting in multiple payouts. **Court Decision** The Arizona Supreme Court sided with the insurance company. The court ruled that when one employee commits multiple thefts, this counts as a single "occurrence" under the insurance policy terms. This meant DGG & CAR could only recover the policy's per-occurrence limit of $50,000, rather than receiving separate payments for each individual theft. **Why This Matters for Workers** This ruling primarily affects employers and their insurance coverage rather than workers directly. However, it shows how companies protect themselves financially against employee misconduct through insurance policies. Workers should understand that employers often have insurance coverage for theft and other workplace issues, and that policy language determines how much coverage is available.