Burglary insurance:
Protect your valuables

Get a burglary insurance policy and safeguard your company assets from break-ins and theft. Get quotes from multiple insurers for theft insurance with business insurance experts!


Policies sold

in the last 6 months

Secure your belongings with expert guidance. Get a quote in minutes.

Burglary insurance meaning in business

Burglary insurance is a type of business insurance that specifically covers losses or damages to property as a result of burglary. Burglary refers to the unlawful entry into a building or structure with the intent to commit a theft, typically involving forced entry.

This insurance policy may cover stolen items, damages caused to the property during the burglary, or both.

Why do you need burglary insurance?

Prevent financial setbacks

Financial protection

It covers stolen items and property damage.

Win the Trust of Investors

Replacement costs

Helps replace stolen items.

Keep your personal finances safe

Legal assistance

Some policies offer help with legal fees if needed.

Difference between theft and burglary insurance

Here are the key differences between theft and burglary insurance:

Aspect Theft Insurance Burglary Insurance
Definition Covers losses due to unauthorized taking of property without forced entry or violence. Protects against losses from unlawful entry into a premise with the intent to steal, usually involving forced entry.
Coverage Typically includes theft, pickpocketing, shoplifting, or stolen items outside the insured location. Specifically covers stolen property resulting from forced entry or break-ins into insured premises.
Nature of Crime Involves theft without the need for breaking and entering. Involves illegal entry into a property, residence, or building to commit theft.
Claims Applicable for stolen items or property without evidence of forced entry. Requires proof of forced entry or damage to the property for a claim to be valid.
Examples Purse snatching, shoplifting, identity theft. Break-ins, forced entry into homes, offices, or businesses to steal items.

Inclusions of a burglary insurance policy

Here are the common inclusions (coverage included) of a burglary insurance policy:

Stolen Property

Coverage for items stolen as a result of a burglary where there is evidence of forced entry or unlawful access into the insured premises

Damage to Property

Reimbursement for damages caused to the insured property during the burglary, such as broken windows, doors, or other structures.

Theft-related Costs

Some policies might cover costs associated with the replacement of stolen items, repairs to damaged property, and in some cases, temporary accommodation if the property is rendered uninhabitable due to the burglary.

Security Measures

Coverage for losses related to damage or destruction of security systems or alarms during a burglary.

Legal Expenses

Coverage for legal fees and related expenses in the event of a lawsuit arising from the burglary.

If there are specific concerns or valuable items that might require additional coverage, discussing these with the insurance provider can help tailor the policy to better suit individual needs.

Exclusions of a burglary insurance policy

Here’s what is generally not covered in a burglary insurance policy:

Non-Forced Entry

Theft or losses without evidence of forced entry may not be covered. If there's no visible sign of forced entry or violent break-in, the claim might get denied.

Unoccupied Porperty

Some policies might have exclusions if the property remains unoccupied for an extended period, such as 30 days or more.

Certain Valuables

High-value items like jewellery, art pieces, or collectibles might have specific limits or require additional coverage. They could be excluded or have limited coverage unless declared separately.

Negligence or Fraud

Any losses resulting from negligence on the part of the insured or fraudulent claims will likely not be covered.

War or Civil Unrest

Damage or losses due to war, civil unrest, or acts of terrorism might be excluded.

It's essential to thoroughly read and understand the terms and conditions of the burglary insurance policy to know precisely what is excluded.

D&O insurance

Why buy burglary insurance from Pazcare?

Tailored Protection

Choose your insurer and offerings

Pazcare provides you quotes from top insurance companies for your burglary insurance policy. Hence, you can choose the insurer and also get customized coverage

Expert Guidance

Dedicated account managers

Have questions or require assistance with your burglary insurance policy? A dedicated account manager from Pazcare will guide you through your questions.

Competitive Pricing

24X7 customer assitance

Pazcare’s customer support team ensures you are provided with 24/7 customer service in case of queries, policy assistance, or claims

FAQs on Burglary Insurance

What is burglary insurance?

Burglary insurance is a type of commercial insurance coverage that provides financial protection to businesses in the event of theft or burglary-related losses.

What are the classification of burglary insurance?

A burglary insurance can be classified into the following: total loss policy, stock declaration policy and first loss policy.

popup banner

Secure your belongings with expert guidance. Get a quote in minutes.