During this time we would like to remind you of the cover under the Theft Section of your Commercial Policy and could also apply to your personal house content cover, in order for you to comply with your policy cover requirments if an alarm is required. We urge you to please check this as it is a time when we may see increased burglary/break in attempts.

Please ensure that your Security Company keeps you informed about the activities in and around your Premises, and that they are monitoring the alarm activation at all times. 

If you do not get an sms notifying you of the opening and closing signal, then you would need to request that your Security Company monitors the premises regularly, ensures that the alarm is activated at all times and notify you as soon as they find anything out of the ordinary.

 Theft cover under your Commercial Insurance Policy is subject to forcible or violent entry/exit from your premises.

There must be visible signs of forced entry/exit in order for the Insurance Company to entertain a break in/ burglary/ theft claim.

Please also take note that the following endorsement under the Theft Section of your Policy, could also be applicable to your specific cover.

 

Burglar Alarm Warranty:

Theft of the insured property from any building on the insured premises as specified in the schedule or any attempt thereat accompanied by forcible and violent entry into or exit from such building (s) is subject to the following conditions:

It is a condition precedent to the liability of the company and warranted that:

a) A radio - controlled burglar alarm system which is connected to the control room of a security firm, that will respond to the activation of such alarm by means of a reaction unit, is installed in the building (s) and be made operative wherever the building

(s) is / are not open for business unless a director or employee of the insured is in the building.

b) Such alarm system be maintained in proper working order but the insured shall be deemed to have discharged their liability therefore if they have maintained their obligations under a contract with their suppliers or servicing engineers of the alarm system.

c) Theft of the insured property following the use of keys of the burglar alarm or any duplicate thereof belonging to the insured is not covered unless such keys have been obtained by violence to or thereat of violence to the insured, director or employee of the insured.