Burglary & Theft Insurance

What It Covers

• Loss of or damage to property due to forced and violent entry or exit (burglary).
• Theft and robbery involving threat or actual violence.
• Attempted burglary.

Contents covered may include:

• Cash in safe or cash register
• Electronics, furniture, fixtures
• Stock-in-trade (for businesses)
• Jewelry and other valuables (if specifically declared)

What It Doesn’t Cover

• Loss without actual force/violence or evidence of entry.
• Loss caused by an employee (covered under Fidelity Guarantee Insurance instead).
• Mysterious disappearance or unexplained loss.
• War, riots, or civil commotion unless specifically covered.
• Items not declared or listed in the policy.

Who Needs It

• Retailers, warehouses, offices
• Homeowners and tenants
• Banks, jewelers, and high-value item owners
• Businesses with significant inventory or equipment

Key Benefits

• Financial protection from burglary/theft losses.
• Peace of mind knowing your assets are covered.
• Can be customized with add-ons like Riot, Strike & Malicious Damage cover, Night-time risk cover, and coverage for multiple premises.

Pro Tip:

To ensure claim validity, always:

• Install security systems (CCTV, alarms)
• Keep proper inventory records
• Report incidents to police immediately
• File the claim with supporting documents within the policy timeline