Cover against burglary is typically part of business packages, or a selectable module – whether the specific policy includes it, and for what sum, is shown in the policy wording and the policy itself. Settlement is typically conditional on an adequate level of protection: locks, an alarm, and, in some cases, guarding.
- Burglary: assets stolen following forcible entry – the marks left behind serve as evidence.
- Insurers set security levels: the requirement typically depends on the sum insured and the wording.
- In a burglary, filing a police report is part of the claim; the route for notification is the insurer's claims line.
What does burglary insurance cover?
Cover extends to burglary – meaning assets stolen by a perpetrator who breaks into a locked space by force or leaves signs of doing so – and typically to any associated malicious damage. Robbery (assets taken through violence against a person) is a separately named event. Disappearance without a trace, stock shortfalls, and employee misconduct are typically not burglary – different rules, and in part different products, apply to these.
The security requirements – "typically"
Insurers tie burglary cover to security levels: minimum mechanical protection (adequate locks), partial or full mechanical-and-electronic protection (bars, an alarm with remote monitoring), and, for higher sums insured, even manned guarding. What's expected at any given site depends on the wording and the sums insured – which is why every statement here is only "typically" true. The key point: the security level stated in the policy has to actually work in reality, because that's what gets checked at claim time.
The scene with Szilard, Bloki, and Dori on the homepage is about exactly this: protection and insurance work together – cover is there for what still slips through the protection. For a self-check: the security self-assessment.
If it happens: police and insurer
In a burglary, two reports run in parallel: the police report – the fact of it and its reference number become part of the claim file – and the claim notification via the insurer's claims line or online portal. It's worth leaving the site untouched, where possible, until the survey; a list of the missing items should be drawn up, and an up-to-date inventory is worth its weight in gold here: the premises inventory template. The detailed process: burglary – police and insurer.
The camera question
CCTV, an alarm, and guarding can appear in the policy wording both as a requirement and as a favourable factor – a separate article covers how they relate: CCTV, alarm, guarding, and insurance. One thing is certain: well-set-up security not only deters a burglar, it also simplifies the claim.
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