A Burglary Insurance policy may be offered for a business enterprise, a shop, an office etc. The policy covers property contained in the premises including stocks/goods owned or held in trust if specifically covered. It also covers cash, valuables, securities kept in a locked safe or cash box in locked steel cupboards if you specifically request for it.

Apart from offering cover for the contents in the premises, burglary insurance policy covers damage to your house/premises caused by burglars during burglary or attempts to burglary.

Main exclusions of this policy:

Usually, the policy will not pay for loss/damage to goods held in trust/commission unless specifically covered ….Jewelry, title deeds, business books unless specifically insured.

Loss from a safe using a key or duplicate key, unless it is obtained by violence or threat; due to shoplifting, way perils, riot and strike (covered by payment of additional premium) and so on

 

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