Below is a list of companies with the best Burglary Insurance Covers in Kenya;

Old Mutual Insurance

What’s in it for you?

The cover offers protection against:

• Loss or damage to the insured property as a result of burglary and/or housebreaking
• Damage to premises caused by burglars during burglary or attempts at burglary.

How do I apply?

Below is a step by step process on how to apply for the cover:

Step 1: Fill in the proposal form

Step 2: Get a quotation

Step 3: Submit schedule/list of covered items

Step 4: Submit KRA Pin and certificate of incorporation

Step 5: Make premium payments

What’s excluded from the cover?

Some of the perils not covered include:

• Theft by employees
• Theft of money
• Political and terrorism-related losses
• Consequential losses

What is the claims procedure?

• Fill in the claim form
• Submit original police abstract and receipt
• Provide purchase documents
• Hand in replacement invoices and receipts
• Provide repair invoices/ receipts
• Submit stock records
• Provide full statement of circumstances from relevant persons

First Assurance

OVERVIEW

Burglary insurance is a policy that covers losses or damage resulting from or following the unlawful break-in and entering of designated premises or places of safekeeping.

 

What is covered?

Contents within buildings such as:

• Stock and materials in trade, the property of the insured.
• Property held by the insured in trust or on commission and for which the insured is responsible.
• Machinery, fixtures, fittings, and all contents other than stock and materials in trade.
• Household goods and personal effects will be included in the case of a shop with a communicating dwelling.

 

FEATURES

The covers provided under this restricted definition of theft are:

• Loss of or damage to property insured following actual forcible & violent entry into or exit from the premises.
• Loss or damage to any part thereof (contents) while within the premises by theft occurring as above.
• Damage to premises either during theft or attempted theft for which the insured is responsible.
• This risk is not to be underwritten unless the fire business is also insured with us.
• Also ensure that the values insured under both fire and burglary are the same.

BENEFITS

Burglary Insurance policy provides financial compensation against loss or damage to property contained in your premises by acts of Burglary.

• Theft following forcible and violent entry.
• Damage on property following forcible and violent entry.
• Hold up or threat of assault clause.
• Temporary removal

Liberty Insurance

Burglary Cover

Tailored solutions to protect your business from theft

The Burglary policy compensates for the insured’s property stolen from their business premises. There must be a forcible entry into or exit from the premises for this policy to offer compensation, meaning that the premises must be broken into or someone forcefully finding their way out. Policy will also cover the costs of repairing damages to the premises in the course of the theft. The cover may also be extended to include riot & strike and any theft following a hold up.

Mayfair Insurance

Provides indemnity against loss or damage to property following forcible or violent entry or exit from the insured’s premises.

This provides indemnity in respect of:

• Loss or damage to the property insured as a result of theft involving entry into or upon or exit from a building by forcible and violent means or any attempt thereat.
• Any damage to the premises for which the insured may be responsible as a result of actual forcible and violent entry.
• (Damage to the premises consequent upon such theft is also covered if the insured is liable for such repairs).
• Exclusions:
• Theft without forcible entry.
• Property more specifically insured (under other policies).
• Loss or damage:
• Caused or in any way contributed to by the connivance of any member of the insured’s family, household or business staff.
• Resulting from any act committed by any person lawfully on the premises.
• Loss or damage during or following upon fire or explosion.
• Loss or damage to plate glass whether forming part of the premises or otherwise.
• Occasioned by or consequent upon war, riot, strike, civil commotion, earthquake, or looting, sacking or pillage in connection with any of them.
• Loss or damage to deeds, bonds, bills of exchange, promissory notes or securities for money, stamps, business documents, gold or silver articles, watches, jewelry, precious stones, medals, coins, curiosities, sculptures, manuscripts, rare books, plans, patterns, models, molds and designs.

Madison Insurance

Our Burglary Insurance policy provides compensation in the event of:

1. Loss of or damage to the property insured caused by theft following actual forcible and violent entry into or exit from the premises.
2. Any damage to the premises as a result of attempted or actual forcible and violent entry into or exit from the premises

The claims are settled either by paying cash, reinstating, repairing or replacing such loss or damage

General Exception

This policy shall not cover any loss or damage where any member of your household or your employee is involved directly or indirectly as principal or accomplice or with your knowledge or secret involvement.

Due to the nature of this policy – we recommend you pair it with our Fidelity Guarantee policy – for business owners or employers.

Protect your home. Protect your business. Protect it with Madison.

Britam Insurance

Fire And Burglary

• For fire & other perils, the claim payout is the lower of the actual damage OR benefit limit, subject to the excess limit mentioned below*.
• For burglary, the claim payout is the lower of the actual damage OR benefit limit subject to the Excess limit mentioned below*.

*Applicable Excess limit: 10% of the claim amount subject to a minimum of: KES 1,000 for Option 1 || KES 5,000 for Option 2, Option 3, Option 4 and Option 5 

• For a personal accident or in case of accidental death or permanent total disability, a fixed amount as per the cover option chosen will be paid.

Optional Benefit pay-out

• For Business interruption due to Fire & other Perils, the lump sum pay-out as per the cover option chosen will be paid
• For Business interruption due to Hospitalisation, in case of hospitalisation for a minimum of 5 consecutive nights or more, the lump sum pay-out as per the cover option chosen will be paid

Exclusions

• Excluded businesses are banks; forex bureau; jewellery shops; premises where manufacturing is carried out; beer / tobacco dealers and distributors; open air markets
• If any claim under this policy shall be in any respect fraudulent or if any fraudulent means or devices are used by the Insured or anyone acting on his behalf to obtain any benefit under this Policy, all benefit hereunder shall be forfeited
• Loss or damage which is covered by any other policy that the client already has that covers the insured events
• Loss following confiscation by local authorities or damage by order of legally constituted authority
• Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion or by its undergoing any heating or drying process
• Loss of cash, currency, bank notes or securities of any kind
• Rent receivable / payable for the insured building
• Goods held in trust or on commission
• Illegal trade

CIC Group

Why Burglary

Home break-ins are a thing that stress many home owners so why not grant yourself total peace of mind against theft and property damage with this policy.

This policy will provide protection against incidents of theft or damage to your property during burglary or attempts at burglary.

APA Insurance

Theft Cover

A burglary or theft insurance policy provides indemnity against loss or damage of insured property resulting from theft accompanied by visible, forcible, and violent entry into, or exit out of the insured premises. This insurance covers assets such as plant and machinery, stock, office equipment, furniture, fixtures and fittings.

The Insurance products under the Theft Class include:

1. Theft
2. Burglary
3. Fidelity Guarantee
4. All risk
5. Asset all risk

Jubilee Insurance

Burglary within Business Premises

What we offer

• Our cover offers compensation for loss and damage resulting from a burglary or burglary attempt on your premises. We also cover fiscal damages and property damage arising from forceful entry by an intruder into the insured premises.

Key Benefits

Compensation for loss and damage resulting from burglary

Covers fiscal damages and property damages

Compensation for loss and damage resulting from burglary

Covers fiscal damages and property damages

Compensation for loss and damage resulting from burglary

Covers fiscal damages and property damages

GA Insurance

Burglary Insurance

Burglary Insurance cover protects you against loss or damage to the property insured caused by: theft following actual forcible and violent entry into or from premises, damage to premises as a result of such entry or exit, or hold up or attempt thereat.

Requires a statement of your occupation, values of the property, type of construction of the building/location, and security measures in place

Covers

• Furniture and office Equipment and machinery
• Stock in trade

Equity Bank

Burglary

Cover yourself from the loss or damage of property arising from forcible and/or violent entry, and/or exit from the premises insured with this comprehensive and need-to-have Equity Insurance product.

Note: Get optional extras at an additional premium, including political violence & terrorism.

How To get started with this product

1. Click the button below to sign up.
2. Fill in your details.
3. Submit the details. A representative from our team will give you a call.

Get started

• Benefits

Benefits for this cover
1.	Asault	Hold up or threat of assault clause
2.	War	Riot, strike and civil commotion
3.	Accidents	Free Risk Surveys and Safety valuations
4.	Warrant	No Watchman Warranty
5.	Loss	First Loss Sum Insured – Optional

Kenindia Insurance

Burglary Insurance

The proposal form forms the basis of the contract. The consideration for indemnity being premiums. Upfront payment of premiums is mandatory before commencement of cover.

Risk

Theft following forcible or violent entry into or exit from the premises by a person or persons committing such theft.

Cover

• Stock in Trade the property of the insured or property held in trust or commission for which he/she will be held responsible.
• On furniture, fixtures and fittings.
• On office equipment.

Extensions

The policy may be extended to include hold up.

Exclusions

The Policy will not extend to cover loss or damage by fire or destruction due to accident, damage to plate glass, loss due to volcanic activities, war like activities or radioactivity of any nature.

Cannon Insurance

Burglary Insurance

Burglary often involves breaking and entering with the intent to steal, causing significant inconvenience whether the attempt is successful or not.

Cannon General Insurance has designed a Burglary Policy to protect you against the constant risk of burglary and its disruptive effects.

AIG Insurance

There are good reasons to consider Burglary Insurance from AIG

Provides indemnity against loss or damage to property following forcible or violent entry or exit from insured premises. Assets, such as office equipment, stock in trade, furniture, fixtures and fittings are covered under this category.

Benefits

Loss of property following forcible or violent entry or exit from insured premises, and damage to permanent structures following the burglary.

Target Market

Commercial business owners e.g manufacturers, communication facilities, financial institutions, Educational institutions, health facilities, offices and real estate owners.

Takaful Insurance

Burglary Takaful Cover

What Cover do I have?

The policy covers loss or damage to property as a result of :

  Theft consequent upon actual forcible and violent entry into the premises

    Theft or any attempt thereat by a person feloniously concealed on the said premises

    Hold up where gangsters enter the premises during business hours

•   Damage to the building due to theft or attempt thereat.

The policy does not cover loss or damage to property as a result of :

  When any member of the Participant’s family is involved

    When the Participant’s staff is involved as principal or accessory

    Due to the willful or negligent act of the Participant.

    When the premises is left unoccupied for more than seven consecutive days and such unoccupancy has not been notified to the Company and acceptance given in writing.

    To goods in the open unless specifically mentioned in policy document.

    Larceny, shoplifting and pilferage.

•   Your policy cover will normally run for 12 months and is renewable annually.

How much must I pay if I have a claim?

• You will pay the first 10% of each claim subject to a Minimum specified in the policy document

How do I make a claim?

You should report to us immediately. We will ask you for the following:

  In case of loss of stock provide also stock records, purchase invoices, delivery notes, sale receipts, annual accounts and bank statements for the last six months.

    Evidence of value in form purchase receipts and replacement receipts for items beyond repair

    Police abstract report

    Completed claim form

    In case of material damage provide repair estimates and current replacement cost if the items are beyond repair.

•   For damage to buildings provide bills of quantities from three reputable contractors or quantity surveyors. In any case, we appoint a loss adjuster for such losses but this will not dispense off with this requirement

Can I cancel the policy ?

You should report to us immediately.

You may cancel the policy at any time by telling us in writing via email to talktous@takafulafrica.co.ke. We may cancel the policy by giving you seven days’ written notice to your last known address. We will charge you on a pro rata basis for the time we have been on cover plus an administration fee of Ksh.1,000 and pay any refund due to you. There will be no refund if we have paid a claim or one is outstanding at the time you cancel your policy.

Cooperative Bank

Burglary

The policy provides covers against loss or damage to property following forcible or violent entry or exit from an insured business or through hold-up.

Assets such as plant & machinery, household chattels, office equipment, stock in trade, furniture, fixtures and fittings are covered up to a value of Kshs.6,000,000/= This will protect the business or household against theft of stocks while in the premises, the damage to the building as the thieves break in and it’s even extended to cover goods in the open.