The policy provides cover against loss or damage to property arising from Burglary and Housebreaking accomplished by entry or exit by actual forcible and violent means. The cover could either be for Private Dwelling or Business Premises.
Private Dwelling: This covers the insured’s household goods and personal effects and those of his domestic servants and people temporarily residing with him against the risk described above, it does not cover the risk of larceny.
Business Premises: The same risk described above is covered under this policy but in respect of stock-in-trade, the property of the insured or those held in trust or on commission. It also covers damage to furniture and fittings belonging to the insured. The policy excludes the risk of larceny or embezzlement by employees.