What does robbery entail according to insurance definitions?

Robbery is defined in insurance contexts as taking property from a person through the use of force or the threat of force. This definition emphasizes the element of intimidation or coercion, which distinguishes robbery from other types of theft. The key characteristic is that the act involves direct confrontation or intimidation of the victim, which places them in fear for their safety or wellbeing.

In contrast to other definitions pertaining to theft, which might involve stealth or deceit (as in the case of burglary), robbery specifically requires this element of force or the reasonable perception of threat. It highlights the violent nature of the crime, as the victim must feel endangered during the incident. Hence, the correct choice reflects the fundamental principle that robbery involves the use of force or fear to achieve unlawful possession of property.