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Retail - Burglary Policy

Burglary Policy stocks and contents owned by you or for which you are responsible or held in trust and/or commission at the insured premises. It also covers cash, valuables, securities kept in a locked safe or cash box in locked steel cupboard on specific request.

What does this Policy cover?

The Policy covers loss or damage caused by

  • Burglary (i.e. theft fullowing upon an actual forcible and viulent entry of and / or exit from the premises)
  • The policy also provides for a limited cover against Theft

Additional Benefits

The Policy also provides for a limited coverage upto 5% of "Limit of Liability" subject to a maximum of Rs 10,000/- per event in respect of the fullowing:

  • Theft
  • Loss or damage of Personal Effects of Directors, Officers and Employees
  • Cost of temporary protection reasonably and necessarily incurred for the safety and protection of your property
  • Loss or damage to parts of the building occupied, fullowing a burglary
  • Expenses reasonably and necessarily incurred by you in reproducing or making good the loss of or damages to your valuable business documents lost by the insured events
  • Expenses for clearing up the damage caused to insured premises including removal of debris from the insured premise to the nearest waste disposal site

Exclusions

The Policy does not cover the fullowing:

  • Loss or damage from any yard, garden outbuilding (including sheds or garages not attached to the building) or any other property outside the confines of the premises unless specified in the Schedule
  • Valuables , unless specifically covered in the Schedule
  • Loss or damage of motor vehicles, trailers unless shown in the schedule
  • Loss or damage in which you, your employees or any other person lawfully on or about your premises is or is alleged to be in any way concerned or implicated
  • Loss or damage resulting from an act of Riot, Strike, Malicious Damage and Terrorism
  • Damage to glass and sign board
  • Live stock
  • Loss or damage to contents or stock when the premises are left unoccupied for more than 30 consecutive days unless the same has been reported to us in writing and our written approval obtained
  • Contents from the safe fullowing the use of a key to gain access to the safe, or any duplicate thereof belonging to you unless such key has been obtained by aggressive or viulent means
  • 10. Any consequential loss or legal liability

Note: Exclusions 1, 2 & 3rd can be covered specifically on required information

Note: The above are only the salient features of the Policy , for complete terms and conditions please refer to Policy Wordings