Burglary, Theft, Civil Commotion and Strikes, other Endorsements

A jeweller in Zaveri Bazaar returns after a bandh day to find the shutter bent and the display empty. A cousin's shop in Thane was spared the break-in but the windows were smashed when a procession turned violent. Both lost property to other people's crimes, yet they need two different covers, and neither is called a fire policy. How does insurance law separate theft, break-in, riot and strike damage, and how does a policy change after it is issued?

In two minutes

Burglary and theft covers insure property against loss by the criminal acts the policy names, civil commotion and strike covers are add-ons that extend a fire policy to damage by rioters, strikers and malicious persons, and an endorsement is the written change that extends or alters a policy after issue.

The rest of this chapter

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