Theft & Looting insurance for South African businesses

Protect your business against theft, burglary, looting, and unexpected losses that can disrupt your operations overnight.

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Tailored cover Built around your business

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What is Theft & Looting insurance?

Theft and looting insurance helps protect your business from financial loss caused by stolen stock, damaged property, forced entry, burglary, and unrest-related incidents.
In South Africa, theft and looting are not rare business risks. They are real operational threats affecting businesses of every size, from spaza shops and salons to warehouses, restaurants, and retailers.
When your business loses stock, equipment, or operational assets, the impact goes beyond replacement costs. It affects your ability to trade, generate income, pay staff, and continue operating.

What is covered

Cover is tailored to your business and may include:

Theft of stock and inventory
Burglary and forced entry
Looting during unrest or riots
Damage caused during break-ins
Theft of business

What is NOT Covered

Coverage depends on the selected products and limits. Certain exclusions may apply to:

Negligence or unsecured premises
Internal theft not disclosed within policy terms
Unexplained stock shortages
Intentional damage or fraud

Who needs this cover?

This solution is ideal for businesses seeking broader protection under one structure. Common industries include:

Restaurants & Fast Food Businesses

Spaza Shops & Township Retailers

Fashion Retail Stores

Salons & Wellness Businesses

Warehouses & Distributors

Hardware & Repair Shops

Electronics Stores

Supermarkets & Convenience Stores

A Real Life Scenario 🇿🇦

A retail business experiences a break-in that results in stolen stock, damage to the premises, and several weeks of operational disruption. At the same time, a customer lodges a liability claim relating to an incident that occurred before the closure.

Without Insurance

Thousands lost in stock and equipment
Immediate cash flow disruption
Business operations stop
The owner pays for repairs and replacements personally

With Entresure

Theft-related losses are covered
Repairs and replacements begin faster
Business operations recover sooner
The owner focuses on rebuilding instead of starting from scratch

Why is this cover critical?

South African businesses face ongoing exposure to:

High burglary rates
Looting and unrest risks
Theft targeting SMEs
Limited financial recovery options after loss events

Theft & Looting vs Business Premises Insurance

Many businesses benefit from both covers.

This Cover

Theft & Looting insurance

Protects against stolen stock, burglary, looting, and theft-related damage.

Business Premises Insurance

Protects the physical structure of your business premises from events like fire or weather damage.

How much Theft & Looting insurance do you need?

The level of cover depends on:

Your stock value
Type of business
Business location
Security measures in place
Operational exposure

Why choose Entresure for this cover?

We understand South African business realities and the risks SMEs face every day.

Tailor-made cover for your business operations
Built around South African theft and looting risks
Fast and simple quote process
Flexible protection for growing businesses
No unnecessary complexity or one-size-fits-all policies

Frequently Asked Questions

Does this cover looting during protests or unrest?

Yes, depending on your selected cover structure.

Is stock covered?

Yes. Cover can include stock and inventory losses.

Can small businesses get this cover?

Absolutely. SMEs are among the businesses most vulnerable to theft-related losses.

Entresure (Pty) Ltd is a licensed Financial Services Provider | FSP 51464

Waterfall Park, Waterfall Crescent South, Ground Floor, Mahai Close, 84 Bekker Rd, Vorna Valley, Midrand, 1686