One fire or burglary without insurance cover can permanently close your business. Fire, burglary, and money insurance protects your business premises, stock, equipment, and cash against loss or damage. Cover typically includes: loss or damage from fire and allied perils (lightning, explosion, storms, floods), burglary and housebreaking with evidence of forcible entry, theft of money on premises, in transit, or in a safe, malicious damage, and consequential loss of profit extension (available). We recommend insuring at full replacement value — underinsurance leads to pro-rata claims settlement, meaning you bear a proportionate share of every loss.