Stolen? Not on Our Watch — Burglary & Theft Cover for Business
Financial protection for shops, warehouses, offices and commercial premises against burglary, housebreaking, robbery and related damage. Quick claims and support for Indian businesses.
Seal the Gaps — Recover Fast, Stay Open.
- Cover for forceful entry theft, robbery, and related damage
- Options for first-loss stock basis or scheduled sums for high-value items
- Quick claim intake workflows and police-friendly doc checklists
Key fact urglary & Theft policies in India provide cover for forcible and violent entry/exit and associated damage; many insurers differentiate between burglary, theft and mysterious disappearance / non-traceable losses. Claims usually require FIR and timely intimation.
Burglary & Theft Insurance
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What is Burglary & Theft Insurance
When Someone Breaks In, We Break Out the Cover
Burglary & Theft Insurance pays for loss or damage to insured property resulting from forcible and violent entry (burglary), robbery, or attempted theft. It also typically covers damage to the premises caused during the crime (broken locks, forced doors). Policies vary — some cover mysterious disappearance only if specific conditions are met. Prompt police FIR and documentation are essential for a smooth claim.
Why Is This Policy Vital?
Because stock & trust vanish faster than cash
A single smash-and-grab can wipe out a week or month of sales for small shops — burglary cover recovers stock value quickly.
Warehouses with bulk inventory are high-risk zones — policy options provide first-loss or scheduled basis cover to manage exposure.
For retail chains and jewellers, timely claims protect customer trust and keep shelves stocked.
Who Needs Burglary & Theft Insurance?
Retail Stores & Malls
stock and POS protection.
Warehouses & ICDs
bulk inventory and storage risks.
Offices & Commercial Premises
equipment, servers and files.
Jewellery & High-Value Retail
scheduled/high-value item protection (consider jewellers block for higher needs).
Small Traders / Home-Based Sellers
flexible options for home-office inventories.
Types / Add-ons Commonly Offered
Burglary (Forcible entry) — main section for violent entry losses.
Theft & Robbery — cover for snatching and armed acts.
First-Loss Basis — cover a % of total stock for rotating inventories.
Money-in-Safe & Transit — protect daily takings (cash-in-safe) and movement.
Mysterious Disappearance — limited option with strict evidence conditions.
Damage to Premises — forced entry repair (locks/doors/windows).
Coverage — What Burglary & Theft Policy Pays For
Forceful Entry Losses
stolen goods due to burglary.
Robbery & Hold-Up
theft involving force or threat.
Damage to Premises
repairs after break-in.
Contents & Inventory
stock and fittings stolen/damaged.
Cash-in-Safe & Transit
insured cash at premises or on transit.
Employee Theft (if included)
internal loss via staff dishonesty.
First-Loss Stock Cover
rotating inventory protection.
Exhibition / Temporary Storage
short-term exposure cover.
Inclusions & Exclusions
Inclusions
Burglary & Housebreaking
loss due to forcible/violent entry.
Robbery & Snatching
theft by force or threat.
Breakage & Damage
repair costs for forced entry damage.
First-Loss Stock (if selected)
percentage-based cover for inventory.
Money-in-Safe & Transit
daily takings and transit (if opted).
Exclusions
Voluntary Parting / Fraudulent Parting
losses due to deceit without forcible entry are often excluded.
Unattended / Unsecured Property
premises left unlocked for prolonged periods may void claim.
Wear & Tear / Gradual Deterioration
not covered.
War, Terror & Nuclear Events
standard political exclusions.
Non-notification or delay in filing FIR
claims rejected if FIR not filed/time limits missed.
Insurance Partners
We partner with leading Indian insurers for burglary & theft cover.
FAQ's
Burglary generally involves forcible/violent entry; theft can include stealthy removal without evidence of forced entry. Policies treat them differently — check wording.
Yes — timely police FIR is essential for burglary/theft claims in India and insurers typically require it as part of the claim process.
Yes — first-loss stock cover is available where a percentage of total stock is insured to reflect rotating inventories. Premiums depend on turnover and selected percentage.
Sometimes, as an optional extension with strict conditions and higher premium; many policies exclude it by default.
FIR, inventory/valuation list, invoices/receipts, CCTV footage (if any), and surveyor’s report. Quick documentation speeds settlement.
Not always. Home policies have limits for business stock — a commercial burglary policy or add-on is recommended for significant business inventory.
Customers Says..
Mr. Ravi Menon Warehouse Manager, AgroStore
Ms. Sangeeta Kumar Owner, Urban Threads
Mr. Nikhil Shah Owner, Shah & Sons Trading
“Don’t let one break-in break your business. Lock the gaps with Burglary & Theft Insurance that understands your inventory and your cash flows.”
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