What is considered part of premises burglary coverage?

Premises burglary coverage is designed to protect business property from theft and burglary incidents. It specifically covers items that are located in or on the insured premises. Furniture and fixtures on business property fall within this protective scope because they are considered integral to the operation of the business and are typically stationary or fixed assets that are vulnerable to theft.

In contrast, while personal property of employees might be important, this coverage generally extends only to property owned by the business itself, not to individual employees' personal belongings. Banking and financial services do not fall under premises burglary coverage, as they relate more to financial transactions and services rather than physical property at a business location. Therefore, furniture and fixtures, being essential components of a business's physical presence, are clearly included under premises burglary coverage.