Burglary Insurance

Burglary insurance is a property insurance policy that provides financial protection against loss or damage resulting from forcible or violent entry or exit from insured premises.

It’s commonly used by both homeowners and businesses to safeguard physical assets.

Risks Covered under Burglary Insurance Policy

Standard Risks Covered
  • Loss or damage to property due to burglary or attempted burglary
  • Damage to the premises (e.g. broken doors, windows, safes)
  • Contents such as:
  • Stock-in-trade
  • Machinery and equipment
  • Furniture, fixtures, and fittings
  • Personal belongings (for residential properties)
  • Cash in safe (if specifically declared however, one can take money insurance as a separate policy)
  • Hold-up or armed robbery
  • Malicious Damage - Covers intentional damage not related to theft
  • Temporary removal
  • Property held by the insured in trust or on commission and for which the insured is responsible.
Optional Policy Extensions
  • Theft Extension - Covers theft without forcible entry (e.g. insider theft) although most insurers shy away from covering this risk.
  • Riot & Strike Cover - Protects against losses during civil unrest
  • Employee Dishonesty - Covers theft by employees (often paired with Fidelity cover)
  • Floater Policy - Covers fluctuating stock across multiple locations
  • Cash-in-Transit - Covers theft of money while being transported (this is most specifically covered under money insurance)
  • Political violence & Terrorism - ccovers risks such as terrorist act or acts of political violence such as riot, strike, civil commotion, revolution, rebellion, insurrection, sabotage,
Common Exclusions
  • Theft without forcible entry (e.g. if a door was left unlocked)
  • Insider theft (by employees, family, or household members)
  • Cash, jewelry, or documents unless specifically declared
  • Loss during riots, strikes, or civil commotion (unless extended)
  • Unoccupied premises left unattended for more than 7 days
  • Consequential losses (e.g. lost profits)
  • Negligence (e.g. leaving keys in the door)
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Why take a Burglary Insurance Policy?

  • Supplements other policies such as fire insurance or fidelity guarantee policies ensuring broader coverage for your assets

  • Any damage to the premises as a result of attempted or actual forcible and violent entry into or exit from the premises is covered

  • It is a superior form of risk management than self insurance
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