Burglary Insurance
Protects your business premises and contents against theft involving forcible and violent entry or exit.
Burglary insurance covers loss of business contents — stock, equipment, fittings, and cash up to a small limit — following theft that involves forcible and violent entry to or exit from the insured premises. The 'forcible and violent' wording is important: most Kenyan burglary policies do not cover stock that simply disappears or is taken by employees (that is fidelity guarantee territory).
Vike places burglary cover with insurers who treat the security requirements as practical risk management, not box-ticking. We help clients align CCTV, grilles, alarms, and access control with the cover requirements, and we negotiate excess and warranty wording so premium reflects the actual control environment.
What It Covers
Theft of stock and finished goods (subject to forcible-entry wording)
Theft of equipment, fittings, and furniture
Damage to premises caused by forced entry (broken doors, locks, windows)
Money on premises up to a small sub-limit (usually KES 50K–200K)
Theft following non-forcible entry from an authorised visitor (limited extension)
Robbery — theft involving threat or violence against staff
Who It's For
Retailers, supermarkets, and electronics shops
Warehouses and bonded stores
Pharmacies, salons, restaurants, and bars
Office tenants with high-value equipment
Petrol stations and convenience stores
Types We Cover
Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.
First Loss Basis
Covers a fixed amount (e.g. KES 1M) regardless of the total stock value, on the assumption that no single burglary will take everything. Cheaper than full-value cover. Common in supermarkets and warehouses with large stock holdings.
Full Value Basis
Sum insured equals the full value of all contents. Subject to the 'average' clause if under-insured. Recommended where stock turnover is low and the realistic maximum loss is the total holding.
Theft Extension on Fire Policy
Burglary attached as an extension to a Fire & Perils policy under a combined commercial wording. Cleaner administration; one renewal date, one excess structure.
Robbery & Hold-Up Cover
Specifically covers theft involving threat or violence — distinct from burglary which requires forced entry. Recommended for retail, fuel stations, and any business handling cash on the premises.
Real-World Scenarios
Electronics shop broken into at night
Door locks cut, grille forced. Burglary cover settles the stolen stock (laptops, phones, accessories) on a first-loss basis up to the sum insured, plus the cost of repairing the door and replacing the grille. Police abstract is required for the claim.
Pharmacy held up during business hours
Robbery cover handles the loss of cash and stock taken under threat — distinct from burglary which would not apply during open hours with no forced entry. We typically recommend bundling both burglary and robbery for retail clients.
Stock missing on stocktake — no signs of break-in
Burglary cover does NOT apply because there is no forcible entry. This is fidelity guarantee territory (if an employee is implicated) or a pure shrinkage loss the business bears itself. Many retailers discover this gap only at claim time.
Optional Benefits & Add-ons
Robbery and hold-up cover
Damage to premises during attempted entry
Money on premises (cash, cheques) — higher limits
Money in transit (separate Money policy)
Loss of business income following a burglary
Replacement of locks and keys after theft of keys
Availability varies by underwriter. Our advisors will confirm what is available on your chosen policy.
Frequently Asked Questions
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