The Burglary Insurance Policy is designed to provide coverage for the contents of business premises against loss or damage resulting from burglary and/or housebreaking. Additionally, it extends coverage to include damage to premises caused by burglars during a burglary, for which the insured is responsible for repairs.

Coverage:

• Stock in trade (Insured’s own goods)
• Personal Belongings
• Goods in- trust or on commission for which the insured is responsible for. Example, tailors, repairers, transporter who keeps goods owned by others.
• Fixtures, fittings and appliances- in trade/offices/dwellings
• Cash in currency notes secured in locked safe.

Exclusion:

• Where insured’s family member or business staff is involved as principal or accessory.
• By acts of person lawfully on the premises       
• If the premise is left unoccupied for more than 15 days consecutively except for dwellings.                                             
• Insurable under a fire or glass insurance policy
• Loss of cash from the safe following the use of key or duplicates (unless such key is obtained by threats or violence)
• Earthquake and other natural perils.
• Riot, strike and civil commotions.
• War and kindred perils
• Nuclear risks.