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Burglary means taking property within closed premises without permission, or through unlawful methods. Robbery refers to taking another s property through force or threats to a person. Burglary and Theft Insurance for Businesses covers both kinds of thefts.

Types of Burglary and Theft Insurance:
Burglary is of many kinds, depending on the extent of damage and the kind of property that has been stolen.

1) Safe: The most common Burglary and Theft Insurance is on safes, since the owner of the business suffers not just the loss of valuable stored within the safe, but also the damage caused to the safe itself.

2) Mercantile Open Stock: If there is a high chance of a particular place or safe being burglarized, then the insurance company sets a limit on the insurance of the item inside the safe. The Mercantile Open Stock Insurance is clubbed with another insurance policy to prevent a valuable item from being underinsured.

3) Crime Contract: Cheating and theft by employees is a (more...)

While it s true almost no one wants to pay extra for a car rental, sometimes the insurance add ons can be very smart buys. A lot will depend on what your private auto insurance covers, but when it s needed, renter s insurance can be a real lifesaver.

The best bet to make sure you have the right rental car insurance coverage before you sign a lease is to check with your private insurance company before getting a rental. In many cases, private insurance will cover a lot, so the add on buy might not be worth the expense. However, the only way to know for sure is to ask, so make sure to do so.

If you do need rental insurance, you ll find there are several different types you can buy. Let s take a look at the main types of add on insurance:

Collision damage or loss damage waiver: This type covers everything, including the deductible, in the event of a crash. This might not be needed for some private insurance policy holders, but it can be a real money saver in an emergency for those who d (more...)