Burglary Insurance
Protecting business assets against forcible theft and hold-up
Burglary Insurance covers loss or damage to business property caused by burglary, housebreaking, or hold-up involving forcible and violent entry or exit. It applies to stock, contents, and specified assets at insured premises, subject to visible evidence of break-in and policy conditions.
Why Burglary Insurance Matters
For MSMEs, theft incidents can result in immediate financial loss and operational disruption. Burglary Insurance helps businesses recover losses following insured break-ins while supporting cash flow stability and compliance with lender or package policy requirements.
Key Benefits
Covers forcible burglary losses
Protects stock and contents
Includes hold-up incidents
Supports asset reinstatement
Reduces financial disruption
Add-on options available for riot, strike, malicious damage, and theft.
What’s Typically Covered & What’s Not
- Typically Covered
- Forcible theft
- Hold-up losses
- Stock loss
- Contents damage
- Safe damage
- Typically Not Covered
- No forced entry (unless theft cover opted)
- Employee theft
- Inventory shortages
- Fire losses
- Fraud deception
Who Should Consider Burglary Insurance
Burglary Insurance is relevant for retail stores, warehouses, manufacturing units, restaurants, clinics, cash-intensive businesses and even houses. It is particularly important for premises with high-value stock, ground-floor access, or limited overnight security. The cover may be less critical for service businesses with minimal physical assets or highly secured locations.
Why Choose Avalani
As IRDAI-licensed insurance brokers in Gujarat, we put your business and needs first. You get customised coverage, verified valuations, claim assistance, and quotes from 20+ insurers for the best value.
Protecting What You’ve Built.
FAQs
What is Burglary Insurance?
Covers theft involving forcible entry or exit from insured business premises.
What triggers a burglary claim?
Theft following forcible and violent entry or exit, with visible damage.
Is employee theft covered?
No. Employee dishonesty requires Fidelity Insurance.
Is burglary insurance available in package policies
Yes. It is included in MSME package covers of various insurers.
Are security measures mandatory?
Yes. Failure to maintain required locks or alarms may void claims.
Is cash covered under burglary insurance?
Only cash kept in safes, subject to low sub-limits unless enhanced cover is taken.