- Damage to buildings.
- Locks and keys.
- Malicious damage.
- Skeleton keys.
- Temporary repairs.
- Where the thief is invited onto your premises.
In a nutshell
Business owners carry the responsibility for making sure that it’s business as usual, even after a robbery. The king’s theft insurance for businesses covers everything, from the loss of, or damage to, your stock or your clients’ goods, to making good any damage to property that you own or for which you’re responsible. The king covers you for the theft of property belonging to you, or for which you’re responsible, inside the buildings, or on the premises, at the address as noted on your policy schedule... Where the theft or attempted theft is accompanied by forced or violent entry/exit or is accompanied by a threat of violence (unless otherwise noted on you policy schedule).
- Property more specifically insured elsewhere.
- Loss or damage covered by the king's fire insurance.
- An explosion used to attempt to gain entry into the building.
- Loss or damage covered by the king's glass insurance.
- Cash, bank and currency notes, cheques, postal orders money orders, current negotiable stamps and documents or certificates of a negotiable nature (unless otherwise noted on your policy schedule).
- Theft by your principal, partner, director or household member (or where they were an accessory to the theft).
- Theft with the use of keys and the burglar alarm (unless they were obtained through threat of violence or violence).
- Theft without forced or violent entry/exit.
