Cover your business contents and stock if they are stolen from your property.
Theft Coverage
Why Theft Insurance Matters
Break-ins and theft can hit businesses hard. Whether you run a retail store, café, warehouse, or office, having your contents, equipment, or stock stolen can cause serious setbacks. Theft Insurance helps cover the cost of replacing stolen items when a burglary happens at your business address.
This cover is linked to your business property location. It applies when theft happens at your premises and there are signs of forced entry. Standard property cover does not always include theft, so many business owners choose to include it as part of a Business Insurance Pack.
Key Features
- Covers theft of stock, contents, tools, and equipment
- Applies to theft from your insured business address
- Typically Requires evidence of forced entry or violent means
- Can include replacement of locks and keys if damaged
- Optional cover for attempted theft and employee dishonesty
- Works well alongside property and contents cover
What’s Covered?
Theft Insurance typically covers losses from:
- Break-ins with forced entry
- Theft of business stock or inventory
- Stolen tools, computers, or machinery
- Theft of furniture or electronic equipment
- Damaged locks, doors, or windows during the break-in
- This insurance only applies when the theft occurs at the insured business location. Items stolen from off-site locations (like a work vehicle or job site) may need separate cover.
How Theft Insurance Helps You
When a theft occurs, it can:
Leave you without the tools or stock needed to trade
Cause delays or cancellations of client work
Create stress and out-of-pocket expenses
Affect customer trust or team morale
Theft Insurance helps by:
Paying to replace the stolen contents or stock
Covering repair costs to doors, locks, or windows
Helping you recover and reopen quickly
Reducing the financial hit of unexpected crime
Common Claims We See
A retail shop’s stock is stolen during a night-time break-in
An office loses several computers after a smashed window entry
A café’s coffee machine and till are stolen in an after-hours robbery
Tools and ladders are stolen from a locked storeroom
A beauty salon reports a break-in with stolen hairdryers and products
A warehouse loses valuable parts and equipment overnight
Frequently Asked Questions
No. Theft cover linked to your business address only applies when the theft happens at your insured property. You may need separate General Property or Portable Equipment Insurance for items taken from a vehicle or job site.
You will usually need a police report, evidence of forced entry, and a list of the stolen items. Photos, serial numbers, or receipts can help speed up your claim.
It can be. Some policies include cover for damage caused during an attempted break-in, even if nothing was taken. Check with your broker to make sure this is included.
No. Standard Theft Insurance only covers break-ins from outside parties. If you want protection from internal theft or fraud, you may need to add Employee Dishonesty or Management Liability policy.
Yes. Theft cover is often bundled into Business Insurance Packs along with property, glass, and business interruption cover. This can save money and simplify your policy.
