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Burglary and Robbery Coverage
Dec 22, 2023

In-Depth Insights On Burglary And Robbery Coverage Under Bharat Sookshma Udyam Suraksha Shopkeepers Package Policy

Running a business includes various risks, the major one being the ones that are financial in nature. No business is safe or bullet-proof from robbery or burglary attempts. To secure your business and the hard-earned money from such attempts, you can go for the Bharat Sookshma Udyam Suraksha Shopkeepers Package Policy. Among the numerous features of this comprehensive insurance policy, Burglary and Robbery Coverage is a critical component. Let’s delve into the details of this coverage, its importance for businesses, and how it ensures financial security in an unpredictable retail landscape.

Burglary and Robbery Coverage: Understanding It

Burglary and Robbery Coverage is an important aspect of the Bharat Sookshma Udyam Suraksha Shopkeepers Package Policy. It provides protection for businesses against financial losses resulting from burglary, robbery, or theft. This coverage extends to both the loss of property and any consequential financial damage associated with such incidents. Claims are subject to terms and conditions set forth under shopkeeper insurance policy.*#

What Are The Features Of This Coverage?

These following are the features of the coverage offered in this general insurance policy your business might benefit from:
  • Protection Against Theft

Burglary and Robbery Coverage safeguards businesses against losses caused by theft, burglary, or robbery. This includes stolen merchandise, damage to property, and any associated losses. Claims are subject to terms and conditions set forth under shopkeeper insurance policy.*
  • Coverage for Property Damage

In the event of property damage during a burglary or robbery, the policy covers the cost of repair or replacement. This minimizes the financial burden on shopkeepers and ensures the continuity of their business. Claims are subject to terms and conditions set forth under shopkeeper insurance policy.*
  • Pocket-friendliness

Premiums for this coverage are typically budget-friendly, making it accessible for businesses. Premium rates may vary based on factors such as the value of inventory, location, and the extent of coverage.
  • Avoiding Risks

Helps avoid the risk of theft and burglary through insurance. This demonstrates responsible risk management. It is an essential aspect of ensuring business continuity and financial security.

Why Should You Consider It?

If your main concern is the viability of your business, this coverage will help in maintaining it. Here are a few reasons as to why you should consider the coverage of this MSME insurance:
  • Securing Assets

Inventory and merchandise are the lifeblood of retail businesses. Protecting these assets is vital to the survival and success of shopkeepers like you.
  • Reduced Financial Burden

Replacing stolen inventory or repairing property damage can be financially burdensome. Burglary and Robbery Coverage minimises the financial risk associated with such expenses, ensuring you can recover quickly without straining your budget.
  • Safeguarding Employee and Customer Safety

Addressing the risk of burglary and robbery not only protects property but also contributes to the safety and well-being of employees and customers who may be present during such incidents.
  • Trust Efficiency

Shopkeepers with well-protected inventory and premises are better positioned to deliver reliable services and maintain customer trust, thus creating a good reputation for yourself.
  • Peace of Mind

You can operate with a sense of peace, knowing your property and inventory are secure. This assurance may allow you to focus on customer service and business growth.

How to Obtain Burglary and Robbery Coverage

As this coverage is part of the Bharat Sookshma Udyam Suraksha Shopkeepers Package Policy, the process of purchasing the policy is quite simple and straightforward:
  • Understand Your Requirement

Determine the specific requirements of your shop, including the value of your inventory, the location, and the types of goods you sell. This will give you an idea of whether you are eligible for the policy or not.
  • Get In Touch With Your Insurer

Reach out to your insurer, where they can assist you in understanding the policy and its various coverages, include the burglary and robbery coverage.
  • Customise And Pay The Premium

After selecting the policy, customise it as per your requirement. The premium generated based on the customisation has to be paid. You can do this both online and offline.
  • Get The Policy

After paying the premium, the insurer will issue the Burglary and Robbery Coverage policy through mail. You will receive the physical copy after a few days.


Burglary and Robbery Coverage is a crucial component of the Bharat Sookshma Udyam Suraksha Shopkeepers Package Policy. Like fire insurance, it offers a safety net to shopkeepers like you for your valuable inventory and property, ensuring business continuity and financial security. In a retail environment where theft and burglary are constant threats, this coverage provides peace of mind and allows businesses to operate with confidence.   *Standard T&C Apply #Visit the official website of IRDAI for further details Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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