Burglary/robbery Insurance

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What makes our Burglary/robbery insurance for businesses different

Occident's Burglary/robbery insurance for companies and businesses has been designed to offer you the best coverage against the loss of goods, belongings, cash, machinery, and tools belonging to your business: as a result of burglary or robbery, or of any damage to these goods on the premises.

Extensive coverage

Your Burglary/robbery insurance will respond to the disappearance, destruction, or deterioration of items insured by the policy, which can be adapted to your business' activity.

Keep your business going

When you take out Burglary/robbery insurance you can be safe in the knowledge that your company will quickly recover from any loss of machinery or tools, and keep your business going.

Broaden your protection

If required you can extend your Burglary/robbery insurance to cover valuable objects, window displays, and cash kept in safes or held in transit en-route to banks.

What our Theft Insurance for companies covers

This coverage gives you protection against any losses caused by the disappearance, destruction, or deterioration of insured objects as a consequence of burglary/robbery or attempted burglary/robbery by a third party accessing the premises illegally.

Illegal access is considered gaining access through breaking doors, windows, or display windows, opening locks with lockpicks or similar objects, or if the thief gains access in secret and hides to commit the crime while the premises are closed.

The coverage also protects you against the theft of goods in safes or locked furniture provided that access to them has been illegal in the same way as to the premises.

With Burglary/robbery insurance for businesses you have the option to take out this coverage, protecting any goods owned by third parties which you're holding due to your business activities.

This optional protection gives you coverage against the potential burglary/robbery of cash or securities kept in safes or locked furniture, when your business is closed. It also covers you against muggings or burglary/robbery of existing cash or securities, either at your place of business or during transit en-route to the bank.

Burglary/robbery insurance also covers you for the loss of insured objects taken by third parties by violent means, or using threats to anyone guarding them. As well as the losses of these goods, you will also be covered for potential damages or depreciation of the goods at the time and/or as a result of the burglary/robbery.

This insurance can include, through optional coverage, protection against damages to your premises as a result of a burglary or robbery. Damages for example to walls, doors, windows, roof, floors and fixtures, as long as you provide information on their value when you take out the insurance policy.

This coverage includes the expenses related to replacing locks on access doors to the insured premises with similar ones as a result of the legitimate keys to the same having been stolen in a theft or robbery.

The economic losses you suffer due to fraud, misappropriation or falsification, as well as the misappropriation of money, documents, securities or bills, representing value or money guarantee, made by, or due to, an employee, will be covered by this coverage.

This coverage has exclusions and/or limitations to prevent fraud.

FAQs

To determine the price of Burglary/robbery insurance for companies, various important aspects of the establishment need to be taken into account:

Characteristics.
Activity carried out.
Location.
Its security measures to prevent theft.
Windows and other points of access.
The value of the goods to be insured.

If you wish to take out these covers, our Burglary/robbery insurance for companies can include protection for goods such as:

Industrial furniture.
Machinery.
Goods (both inside and outside the fenced enclosure).
Cash.
Valuables.

For this reason it is necessary to draw up an up-to-date inventory of the value of all these items before taking out the Burglary/robbery insurance for companies with these covers.

All of these terms refer to objects or goods being taken illegally, but the main difference is in the legal definition of both terms:

When we talk about theft, we're referring to something being taken without the use of force or violence against a person, rather, it is opportunistic, and taking advantage of carelessness.
For a situation to be considered a burglary/robbery, and to be covered by the policy, the goods must be taken by the use of force or violence against a person.

FAQs

Burglary/robbery Insurance

What makes our Burglary/robbery insurance for businesses different

Extensive coverage

Keep your business going

Broaden your protection

What our Theft Insurance for companies covers

Theft

Burglary/robbery of third party goods

Burglary/robbery of cash

Burglary

Damages to premises

Lock replacement

Employee disloyalty

FAQs

What information do you need to take out a company burglary/robbery insurance for companies?

What is the difference between burglary/robbery and theft?

Consult documentation

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