Burglary Insurance

Burglary insurance protects Indian businesses against loss of stock, machinery, equipment, and other contents from commercial premises due to burglary and housebreaking (entry by forcible and violent means). The policy also covers damage to the premises caused during the burglary. This cover is especially relevant for retail establishments, warehouses, showrooms, and businesses holding high-value inventory. While the standard policy covers burglary involving forcible entry or exit, extensions are available for theft by employees (fidelity guarantee), robbery, and larceny. Indian businesses in high-value sectors such as jewellery, electronics, pharmaceuticals, and FMCG distribution commonly purchase burglary insurance alongside their fire and property covers.