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Protection Against Criminal Damage & Break-Ins
Why Theft & Malicious Damage Cover Matters
Commercial properties are prime targets for break-ins, vandalism, graffiti, forced entry, smashed windows and deliberate damage. Repair costs are often significant, and many incidents occur outside business hours when buildings are empty.
This cover protects your building, contents and finances from criminal activity - ensuring fast recovery and reduced disruption to your business or tenants.
What This Insurance Covers
Comprehensive protection for your building, fixtures, fittings and contents.
- Theft involving forced or violent entry
- Damage caused during attempted break-ins
- Vandalism, graffiti & smashed windows
- Malicious damage caused by intruders or third parties
- Arson & deliberate fire damage
- Replacement of locks, shutters & doors
- Damage to fixtures, fittings & signage
- Theft of stock, equipment or tools (optional)
- Theft by tenants or employees (optional extensions)
- Loss of rent following major damage
Common Theft & Vandalism Risks
- Forced entry through windows or doors
- Smashed glass, shutters or shopfront damage
- Graffiti & tagging on commercial premises
- Theft of tools, equipment or high-value stock
- Arson or deliberate fire incidents
- Damage by disgruntled ex-employees or tenants
- Intruder damage to CCTV or alarm systems
- Break-ins at unoccupied or under-renovation buildings
Why Choose Insure24 for Theft & Damage Insurance?
- Access to specialist commercial property insurers
- Tailored cover for shops, offices, warehouses & mixed-use
- Policies available for unoccupied buildings
- Fast documentation & claims support
- Competitive pricing even for high-risk areas
- Portfolio cover for landlords with multiple properties
“A break-in caused major damage to our shopfront. Insure24 handled everything and the repairs were completed within days.”
Daniel M., Retail Property OwnerFREQUENTLY ASKED QUESTIONS
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Does this insurance cover break-ins and forced entry?
Yes. It covers theft involving forced or violent entry, plus damage caused during an attempted break-in.
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Is vandalism covered?
Yes - vandalism, graffiti, smashed windows and other deliberate property damage are covered.
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Does this cover arson?
Yes - arson and deliberate fire damage are included under malicious damage cover.
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Is theft covered without forced entry?
In most cases, no - theft must involve forced entry unless you have purchased an extension such as theft by tenants or employees.
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Can unoccupied buildings be covered?
Yes - insurers can cover vacant buildings but may impose security conditions such as alarms, shutters or regular inspections.