Business insurance
Burglary Insurance in Ghana
Cover for stock and contents against theft following break-in.
In brief
Burglary insurance covers loss of or damage to your business stock, contents and equipment caused by theft following forcible and violent entry to (or exit from) your premises, plus damage the thieves cause to the building.
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Burglary is priced by an underwriter for your needs. Tell us about it and we’ll prepare a firm quote.
Request a quote →What’s covered
- Theft following forcible, violent entry
- Stock, contents and equipment
- Damage to premises caused by burglars
- Cover on a first-loss or full-value basis
- Optional hold-up / robbery extension
- Pairs with fire and all-risks cover
What’s not covered
- Theft without forcible entry or by trick
- Dishonesty of your own employees
- Money and valuables unless specified
- Property in the open or unsecured premises
- Losses found only at stock-taking
Who it’s for — Shops, warehouses, pharmacies, electronics and hardware dealers, and any business holding stock or valuable equipment on its premises.
What does burglary insurance cover?
The policy pays for stock, contents, equipment and furnishings stolen in a break-in involving forcible and violent entry, and for damage to your premises caused by the burglars getting in or out. Cover is usually arranged on a first-loss or full-value basis and sits naturally alongside a fire policy to give rounded protection for your premises.
What security do I need?
Premises should have sound doors, locks, grilles and, for higher sums insured, an alarm in working order. Reasonable security is a condition of cover and also reduces the likelihood of a loss. Your Provident agent will advise the protections expected for your stock value and location.
FAQs
Frequently asked questions
Does burglary insurance cover theft by an employee?
Is forced entry required to claim?
Can I combine burglary with fire cover?
Need to make a claim?
We pay valid claims, fairly and quickly. See the four steps and the documents you’ll need.
With Provident, you’re covered
Get an indicative quote now, or talk to an agent at any of our 11 branches.