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Product/Service:

Burglary/Housebreaking Insurance

Burglary and Housebreaking Insurance Policy Features

Creating assets takes years of hard work, but one theft can leave you crippled financially. The Burglary and Housebreaking Insurance Policy keeps your property safe and gives you the peace of mind that you deserve.

Key Benefits:

  • Insurance for burglary and housebreaking at your business premises.
  • Cover available on a first loss basis by way of judicious management of probable maximum loss assessment.
  • Policy can be extended to cover riot, strike, malicious damage, and theft.
  • Several variations such as floater policy, declaration policy, and floater declaration policy available.​

Burglary and Housebreaking Insurance Policy Coverage

  • ​Property such as stocks and furniture owned by the insured in the business premise is covered.
  • Stocks held in trust/ commission and for which the insured is responsible, if specifically covered.
  • Damage to premises resulting from burglary, and/or housebreaking or any attempt at burglary is covered.
  • Cash, jewelry, valuables, and securities kept in a locked safe or cash box in a locked steel cupboard, if specifically covered.

Policy Options

The following variations with regard to sum insured can be opted for:

  • Floater policy: Issued for stocks at various locations under one sum insured.
  • Declaration policy: Takes care of frequent fluctuations in stocks/ stock values.
  • Floater declaration policy: Comprises features of both the floater and declaration policies.

Burglary and Housebreaking Insurance Policy Exclusions

The policy will not pay for the following losses or damage:

  • Loss of goods held in trust/ commission, jewelry, curios, title deeds, business books, unless specifically covered.
  • Burglary without any forcible entry.
  • Shop lifting, or acts where insured or his/her family members or employees are involved.
  • Losses recoverable under fire/ plate glass insurance policy.
  • War threats and nuclear perils.
  • Riot, strike, and malicious damage unless specifically covered.
  • Consequential loss or legal liability of any kind.
  • Premises left uninhabited for seven or more consecutive days, unless specifically agreed upon.
  • Uninformed material alteration in the premises.
Trustville Insurance Brokers has a long and storied history in the world of insurance brokerage. We have been pioneers in the industry for many years and are known for taking innovative steps. We are very proud of our achievements and all the people who led us here.
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