This class of insurance is mainly for business premises, offices, shops, stores, warehouse and the like. The insurances covers the loss that occurs as a result the act of breaking and entering a business premises with an intention of stealing or the act of breaking out after stealing in the premises.
To claim burglary insurance there must be evidence of breaking in or forced entry, with intention of stealing from the premises. or exit. Entry may be through a person entering the premises or constructively using a stick or hook or any instrument to remove goods from the premises.