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Solutions > Insure > Business > Protect Your Business > Burglary / Theft

Protect YourBusiness AgainstTheft & Break-Ins

Theft & Break-In Cover

Protection for your business stock and contents

Hold-Up & RSCC Extensions

Flexible buy-back cover for added risks

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What is Burglary Insurance?

Burglary Insurance indemnifies you for loss of or damage to insured property caused by theft following actual, forcible and violent entry into or exit from the premises, as well as damage to the premises caused by such entry or attempt. Indemnity may be by cash, repair, reinstatement or replacement. The policy is typically written alongside a fire policy and can be extended to cover 'hold-up' and Riot, Strike & Civil Commotion (RSCC).

Highlights

  • Indemnifies your business against theft following forcible, violent entry or exit.
  • Covers damage to your premises caused by the break-in or an attempt.
  • Flexible cover on a full-value or first-loss basis for stock and contents.
  • Buy-back extensions for hold-up and Riot, Strike & Civil Commotion.
A confident shop owner in their store, protected by APA Burglary Insurance
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What is Covered and Not Covered Under Burglary Insurance?

Burglary Insurance protects your business stock and contents against theft following forcible, violent entry – with flexible buy-back extensions. Toggle between the categories below to explore your cover.

1

Theft by Forcible Entry

Loss of or damage to insured property by theft following actual, forcible and violent entry or exit.

2

Damage to Premises

Damage to your premises occasioned by such forcible entry, exit or an attempt at it.

3

Flexible Indemnity

Indemnity by cash, repair, reinstatement or replacement – whichever suits the loss.

4

Business Stock & Contents

Protects your business stock and contents on a full-value or first-loss basis.

5

Full-Value or First-Loss

Insure the full value of property or set a first-loss limit to suit your exposure.

6

IRA Standard Wording

Issued on the IRA standardised burglary wording as part of APA's commercial property suite.

Talk to a Business Advisor

Buy through any APA branch or intermediary. Find the nearest office to protect your business.

Eligibility & Requirements for Burglary Insurance

Eligibility Criteria
Specifications
Who Qualifies
Businesses and property owners – supermarkets, offices, hardwares, factories, warehouses and shops.
Fire Policy
A supporting fire policy must be in place.
Documents
Completed proposal form with declared values / sums insured.
Security Details
Details of your security measures (alarm, CCTV, watchman).

How to Buy APA Burglary Insurance?

1

Ensure you have a supporting fire policy in place for your premises.

2

Complete the burglary proposal form with your declared values and security details.

3

Buy through an APA branch or intermediary (call 0709 912 777 or email info@apainsurance.org).

4

Your cover is issued alongside your fire policy, protecting your stock and contents.

Everything You Need, All in One Place

Access policy documents, claim forms, renewals, and important resources anytime.

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Claim Form

PDF • 1.1 MB

Terms & Conditions

PDF • 1.8 MB

Bima Bamba Insurance Brochure

PDF • 2.4 MB

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Frequently Asked Questions

Loss of or damage to insured property caused by theft involving actual forcible and violent entry into or exit from your premises, plus damage to the premises from such entry.

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