Which role involves having care and custody of insured property outside the premises?

The role that involves having care and custody of insured property outside the premises is the messenger. A messenger is responsible for transporting and safeguarding property, such as money or valuable documents, while they are outside the insured premises. This role is critical because it includes not only the physical possession but also the obligation to protect the property from loss or damage during transport.

In the context of property and casualty insurance, understanding the various roles involved in managing insured property is essential. While other roles like guardian, receiver, and custodian may pertain to property management, they do not specifically relate to the transportation or external safeguarding of property. A guardian typically refers to someone who looks after an individual or an entity's interests, while a receiver is more about overseeing assets under certain conditions like bankruptcy. A custodian, on the other hand, usually refers to someone who has custody of property at a specific location and does not imply the transporter aspect. Thus, the messenger is the correct answer as it specifically addresses the task of maintaining custody and care of property while outside the premises.