What kind of property is covered under premises burglary insurance?

Premises burglary insurance is specifically designed to protect business property that is located within the insured premises. Thus, the coverage typically includes items that are essential for the operation of the business, such as merchandise and furniture. This insurance helps businesses mitigate the financial impact resulting from theft of these items during a burglary.

Merchandise refers to the stock that a business sells, while furniture encompasses essential fixtures that facilitate business operations, such as desks, chairs, and cabinets. Since this type of insurance aims to safeguard the physical assets that contribute to running the business effectively, it makes sense that merchandise and furniture would be included in the coverage.

The other choices do not represent the full scope of what premises burglary insurance encompasses, limiting the coverage to specific categories like money, equipment, or vehicles, which are not aligned with the general purpose of this type of insurance. For instance, while money and securities are valuable, they often fall under different types of coverage specifically tailored to address financial loss rather than physical assets. Similarly, equipment and fixtures, while important, do not capture the broader spectrum of items commonly found in a business environment, which includes merchandise. Vehicles and trailers typically fall under auto insurance or specific commercial vehicle policies, separate from premises burglary insurance.