Hello, my name isXXXXX will try to help you. Please remember I just report or interpret the law, so the outcome may not be what you hoped for. What is the nature of the loss you suffered? Was it theft of funds or something of that nature?
I lost the medical records of patients and computer access that hold business information.
I had to switch format because I could not see your answer.
Unless you have reason to believe that the employees stole the records and took steps to deny you access to the business information I do not see a basis for an insurance claim. The fact that they disappeared may well indicate that they had some involvement. For your purposes you should review your policy on the basis that they did take the records to see if the policy covers this type of loss. If you think under the terms of the policy there is any basis for a claim you should make the claim as you have nothing to lose. On the issue of whether you first have to report it to the police, you have to look at the terms of the police. If there is any doubt, then you should report the incident to the police. Whether the police take any action is not critical. You just want to make the report if there is any question.
I highly doubt that the policy will cover the loss in the lawsuit as a result of the fact that the employees are not available as witnesses.
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