Burglary can happen unexpectedly, resulting in financial losses and disruption for homeowners and businesses.

CAPITAL's Burglary Insurance provides protection against the loss of or damage to insured articles following actual, forcible and violent entry into the premises specified in the insurance policy, or an attempted burglary.

Whether you own a home, office, shop or commercial establishment, Burglary Insurance can provide financial protection for eligible property listed in your insurance schedule, subject to the policy's terms, conditions and exclusions.

What Does Burglary Insurance Cover?

Under CAPITAL's Burglary Insurance Policy, coverage includes:

• Theft of insured property: Loss or damage to articles specifically listed in the insurance schedule, following actual, forcible and violent entry into the insured premises, or an attempted burglary.
• Damage to insured buildings: Damage to the insured building for which the insured is legally liable, when caused as a result of theft following actual, forcible and violent entry, or an attempted burglary.

Coverage applies to the premises specified in the policy schedule and to the insured articles included therein.

The policy requires evidence of actual, forcible and violent entry. Theft without evidence of such entry may not qualify for coverage.

Important Exclusions and Limitations

Burglary Insurance is subject to specific exclusions and conditions.

The policy does not cover losses or damage arising from:

• War, invasion, civil war, rebellion and similar events.
• Terrorism, sabotage, riots, strikes, popular uprisings or looting.
• Explosives, bullets, bombs, rockets or military devices.
• Fire or explosion, or damage that is insurable under a Fire or Glass Breakage Insurance Policy.
• Loss or damage facilitated by the crime or gross negligence of an inmate or member of the insured's household or business staff.

The insured must also take ordinary and reasonable precautions to protect the insured property and comply with the policy's conditions.

Claims Notification and Reporting Requirements

In the event of a burglary or attempted burglary:

• The insurance company must be notified immediately upon discovery of any loss or damage.
• The police must be notified, and all practicable steps must be taken to identify those responsible and recover the stolen property.
• A detailed statement of the loss or damage, including the value of each stolen article and details of the damage, must be submitted within 14 days.
• Supporting documents, vouchers and other evidence of value and ownership must be provided to substantiate the claim.
• The insured must allow the insurance company's authorized representatives to inspect the premises.

The policy also stipulates that the insurer will not be liable if the discovery of the burglary is not made within seven days of the commission or attempted commission of the offence.

Why Is Burglary Insurance Important?

A burglary can result in more than the loss of valuable possessions. For businesses, stolen equipment, merchandise or essential assets can create unexpected financial losses and disrupt daily operations.

CAPITAL's Burglary Insurance helps reduce the financial impact of eligible theft incidents by providing compensation for covered losses, subject to the individual item limits and the total sum insured specified in the policy schedule.

Protect What Matters Most

Taking preventive security measures is essential, but having appropriate insurance protection provides an additional layer of financial security.

With CAPITAL's Burglary Insurance, you can protect eligible property against covered burglary incidents and gain greater peace of mind, knowing that your insured assets have an additional layer of protection.

Contact CAPITAL Insurance & Reinsurance Company to learn more about Burglary Insurance and the coverage options available for your property.

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