What is Burglary insurance?

It is an insurance protection policy against theft within your business or trade premises of  your business-related assets such as

  • Stock-in-trade
  • Furniture
  • Fittings and fixtures
  • Goods held in trust or on commission
  • Machinery and tools
  • Designs, patterns and moulds
  • Office equipment of every description

It also covers damage to the property insured &/or premises due to theft.


Choose between our two offerings.

  • Full Value Basis
    This is the smart option if there is a possibility your entire property can be stolen at any one time.

    You must ensure the sum insured is adequate because your policy is subject to Average Condition. If your sum insured is inadequate, you will not be fully indemnified at the time of loss.

    The correct sum insured should be what you consider to be the highest value at risk at any one time. 
  • First Loss Basis
    You can select this option if it is impossible your entire property can be stolen at the same time.

    The Sum Insured is based on your assessment on the maximum probable loss at any one time.

What's covered

Here is an overview of you coverage

Burglary insurance

Burglary insurance

Covers loss of or damage to assets within the insured business or trade premises, as a result of

  • Forcible and violent entry
  • Theft or any attempt by a person hiding in the insured premises
  • Hold-up or armed robbery
  • The Policy also covers damage to the premises as a result of theft or an attempt to break in

How much is my premium?

Your premium may vary, depending on 

  • Risk exposure
  • The sum insured
  • Our underwriting requirements

Download our brochures under the Product Literature

Get it now

What we don’t cover

  • Any person lawfully in the premises or a member of your premises
  • Hold-up or robbery unless specifically mentioned
  • Strike, riot and civil commotion
  • Premises unoccupied for over 30 consecutive days
  • Confiscation by order of any Government or Public Authority
  • War and related risks
  • Radioactive and nuclear energy risks
  • Any act of terrorism
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.
Important information

This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. You must refer to the policy contract for the precise terms and conditions of this insurance plan. The information is for reference only and is accurate as at 30/06/2012

Note: You should satisfy yourself that this policy will best serve your needs. You should read and understand the insurance policy, and at all times, feel free to contact us for more information.