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It covers loss or damage to property insured whilst contained in the business or trade premises arising from:
Theft by actual, forcible and violent entry
Theft or attempted theft by a person feloniously concealed on the said premises
Hold-up or armed robbery
You can either insure your property based on the following sum insured :
FULL VALUE BASIS
This basis is adopted when there exists a possibility of your entire property insured being stolen at any one time. You must ensure adequacy of the sum insured since the insurance will be subject to the Average Clause where you will not be fully indemnified at the time of loss if the property is under insured. The correct sum insured should be what you consider to be the highest value at risk at any one time.
FIRST LOSS BASIS
This basis is adopted when it is not possible for your entire property insured to be stolen at the same time. The sum insured shall be based on your assessment.
Provides coverage against any glass broken by fracture extending through the entire thickness of the glass as a result of an accident or misfortune. Plate glass in showrooms, offices, shops and buildings can be insured under this insurance.