Burglary & Theft Insurance
Burglary & Theft Insurance
Protect Your Business and Property from Unexpected Loss
Burglary and theft can cause serious financial disruption to businesses and homeowners. Whether it’s stolen stock, office equipment, cash, or household valuables, the impact can be devastating.
At Advanced Insurance Agency Limited, we provide reliable Burglary & Theft Insurance solutions designed to protect your property and restore your peace of mind.
Who Needs Burglary & Theft Insurance?
This cover is essential for:
- Retail shops and supermarkets
- Offices and corporate businesses
- Warehouses and storage facilities
- Restaurants and hospitality businesses
- Schools and institutions
- Homeowners with valuable assets
If your premises store goods, cash, or equipment, this cover is highly recommended.
What Does the Policy Cover?
- Loss of Stock
Covers stolen inventory and merchandise.
- Office Equipment & Furniture
Computers, printers, desks, machinery, and other business assets.
- Household Contents
For residential property — electronics, appliances, furniture, valuables.
- Damage to Premises
Covers repair costs for doors, windows, locks, and structures damaged during forced entry.
- Cash (Optional Extension)
Cash-in-safe or cash-in-transit coverage can be added.
What is Not Covered?
- Theft without evidence of forced entry
- Employee dishonesty (covered under Fidelity Guarantee)
- War or terrorism (unless extended)
- Negligence or unsecured premises
We guide you on security requirements to ensure claims are valid.
How Premiums Are Determined
Premiums are calculated based on:
- Nature of business
- Value of stock and assets
- Location of premises
- Security measures (CCTV, alarms, guards, safes)
- Claims history
Better security systems often attract lower premiums.
Why Choose Advanced Insurance Agency Limited?
✔ Access to leading insurers in Kenya
✔ Competitive and flexible premiums
✔ Professional risk assessment advice
✔ Claims support and follow-up
✔ Fast policy processing
We ensure your property is adequately protected against financial loss.
Risk Reduction Tips
To reduce theft risk and insurance costs:
- Install CCTV surveillance systems
- Use certified alarm systems
- Employ trained security guards
- Secure doors and windows with strong locks
- Use safes for cash storage
Proper security improves claim approval and lowers risk exposure.
Click To Call: 0722494303
Frequently Asked Questions (FAQs)
1. What is the difference between burglary and theft?
Burglary involves forced entry into premises. Theft may not involve force. Most policies require evidence of forced entry.
2. Is employee theft covered?
No. Employee dishonesty is covered under a separate policy called Fidelity Guarantee Insurance.
3. Does the policy cover cash?
Cash cover is optional and can be included as an extension.
4. Are electronics and laptops covered?
Yes, provided they are declared and included in the insured asset value.
5. What security requirements are needed?
Most insurers require:
- Strong locks
- Burglar-proof windows
- Alarm systems (depending on risk level)
We advise you on insurer-specific requirements.
6. How is compensation determined?
Claims are settled based on:
- The insured value
- Proof of ownership
- Police abstract report
- Policy terms and conditions
7. How quickly can I get covered?
Coverage can be arranged quickly once asset valuation and security details are provided.
Get Covered Today
Secure Your Property Today
Don’t wait until loss happens. Protect your business and home with comprehensive Burglary & Theft Insurance from Advanced Insurance Agency Limited.