Burglary & Theft Insurance
Protect your business properties, stock-in-trade, plant machinery and contents against losses arising from forced entries, housebreaking, and property crime.
Loss Mitigation Integration
Optimized for logistics warehouses, showrooms, retail shops, and commercial assets requiring complete property crime security grids.
Understanding Burglary Insurance
Standard commercial property policies cover physical damage caused by natural catastrophes and fire perils. However, losses arising from thefts, burglary, or forced entries require a dedicated Burglary policy. BP & AF helps you integrate burglary coverage alongside your fire program to establish a comprehensive business asset protection system.
The Asset Risk Lifecycle
Understanding vulnerability checkpoints across operational cycles.
Business Setup
Facility launch and installation stages.
Assets Purchased
Capital stock and equipment added.
Daily Operations
Visitor access and cargo delivery cycles.
Unexpected Incident
Forced entry or midnight break-in occurs.
Financial Loss
Depleted stock and physical property damage.
BP & AF Recover
Broker secures prompt insurer claim response.
Sectors We Protect
Different setups demand customized security covenants.
Retail Stores
Shields showrooms against break-ins, shelf thefts, and register robberies.
Warehouses
Protects logistic depots against peak season inventory burglary.
Manufacturing
Covers factory raw material depots, tools, and plant machinery.
Hospitals
Safeguards pharmacy stocks, diagnostic equipment, and vault cash.
Hotels
Shields guest rooms, server areas, safes, and kitchen assets.
Schools
Covers computer labs, library books, sports gear, and office archives.
Shopping Malls
Protects shared common areas, kiosks, and management offices.
Jewellery Stores
High-exposure shields for diamonds, gold, strong rooms, and counters.
Restaurants
Covers kitchen appliances, gourmet stocks, bar assets, and safe cash.
Commercial Offices
Shields server rooms, laptop docks, projector assets, and office files.
Scope of Policy Coverage
Underlying perils covered under standard commercial burglary agreements.
Burglary
Covers loss of stock, equipment or assets by housebreaking or forcible entry.
Housebreaking
Covers damage caused to premises structure during unauthorized or forced entries.
Theft of Property
Loss of assets following assault or threat of violence to security personnel.
Burglary Damage
Covers repair charges for walls, gates, safety grills, and safes damaged during break-ins.
Legal Liability
Legal liability for damages to third-party assets lying on your premises under custody.
Extra Expenses
Covers temporary structural repairs and watchman hire immediately following a break-in.
Loss of Contents
Covers furniture, office fittings, stationery, and employee personal property on-site.
Safe Contents
Protects money, bullion, and negotiable instruments stored securely in premium lock vaults.
Major Exclusions
Understanding policy restrictions and excluded hazards.
Simple Theft / Larceny
Mysterious disappearances or shoplifting cases without evidence of violent or forcible entry.
Employee Theft / Fidelity Loss
Losses caused by employees, partners, or trustees (covered under Fidelity Guarantee).
Fraud & Collusion
Losses involving inside staff, security partners, or family members acting in collusion.
Mysterious Disappearance
Shortages found during inventory checks without proof of break-in.
Unsecured Cash
Loss of cash or currency unless kept in locked safes/drawers or strong rooms on site.
War & Nuclear Risks
Loss directly or indirectly caused by war invasion, civil hostilities, or radioactive fallout.
Intentional Acts
Damage or loss deliberately planned or executed by directors or policy owners.
Pollution Liability
Losses or contamination liabilities caused by environmental pollution factors.
Underwriting Rating Factors
Parameters that determine the baseline insurance premium values.
Sum Insured
The total valuation of buildings, contents, safe cash, and peak stock seasons.
Nature of Business
Jewellery, electronics, and cash counters attract higher risk quotients.
Security Measures
Active CCTVs, security guards, alarm triggers, and strong rooms lower rates.
Premises Location
Thefts statistics in the immediate block and commercial industrial areas.
Construction Type
RCC concrete structures with iron window bars get favorable pricing.
Claim History
A clean 3-year record qualifies your business for low premium discounts.
Occupancy Hours
24/7 active operations or guard patrols minimize burglary chances.
Deductibles / Excess
Opting for higher co-pays or deductibles reduces primary premium loads.
Claims Advisory Framework
Actions and checklists required during claims resolution stages.
Intimation & Resolution Steps
Police FIR File
Report the theft instantly and obtain an official First Information Report.
Intimate BP & AF Desk
Send initial damage report and inventory logs to our corporate desk within 24 hours.
Underwriter Surveyor Visit
The insurer appoints a claims investigator to audit entry marks and safety logs.
Final Settlement
The insurer indemnifies losses based on inventory invoice verification.
Required Claim Documents
- Copy of Police FIR with Section Clauses
- Completed Insurance Claim Ledger Slip
- Daily Inventory Stock Balance Logs
- Commercial Invoices of Missing Assets
- Property Repair Cost Invoices (if structure damaged)
* Keeping high-resolution site photographs of entry/exit marks immediately after the break-in avoids validation disputes.
Business Security Audit
Audit your facility's safety systems. Better safety ratings lead to lower deductibles.
Why Consult BP & AF
We bridge gaps between standard policy printouts and real site protections.
Structured Auditing
We audit site entry logs and physical vault classifications to structure appropriate first-loss sum insurances.
Underwriting Power
We work with leading commercial insurers to add money-in-transit and keyless access rider clauses seamlessly.
Claims Advocacy
Our claims engineers interface directly with police and survey desks, verifying inventory details for smooth settlements.
Frequently Asked Questions
Addressing common queries regarding burglary risk placement.
Need Advice on Burglary Insurance?
Our Property Insurance Advisors can help you determine whether Burglary Insurance should be included alongside your Fire & Property Insurance programme.
Explore Related Property Insurance Solutions
Explore key components of our property insurance family.
Fire & Property
The foundation of business property protection.
Fire Loss of Profit (FLOP)
Protects business income after an insured fire loss.
Machinery Breakdown
Protects machinery against sudden breakdown.
Boiler & Pressure Plant
Protects boilers and pressure vessels.
Machinery Loss of Profit (MLOP)
Business interruption following machinery breakdown.