--- title: Burglary Is Still One of the Most Common Small Business Claims description: Burglary remains a top small business claim. Learn how to protect your assets with effective insurance coverage and risk management strategies. image: https://blog.concklin.com/hubfs/Burglary.png --- [Skip to content](https://blog.concklin.com/burglary-is-still-one-of-the-most-common-small-business-claims#main-content) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) [**Contact Our Team **](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) **[630-268-1600](tel:+16302681600)** **[Contact Our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest)** ****[630-268-1600](tel:+16302681600)**** [![Concklin Logo-1](https://blog.concklin.com/hs-fs/hubfs/Concklin%20Logo-1.png?width=314&height=100&name=Concklin%20Logo-1.png)](https://insurance.concklin.com/) - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) Open main navigation Close main navigation - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- Feb 18, 2026, 10:03:31 AM # Burglary Is Still One of the Most Common Small Business Claims ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://blog.concklin.com/burglary-is-still-one-of-the-most-common-small-business-claims) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.concklin.com/burglary-is-still-one-of-the-most-common-small-business-claims) [Twitter icon](https://twitter.com/intent/tweet?url=https://blog.concklin.com/burglary-is-still-one-of-the-most-common-small-business-claims) [envelope icon](mailto:?body=https://blog.concklin.com/burglary-is-still-one-of-the-most-common-small-business-claims) Burglary Is Still One of the Most Common Small Business Claims 2:30 Recent [claims data from The Hartford](https://newsroom.thehartford.com/newsroom-home/news-releases/news-release-details/2025/Water-And-Freezing-Damage-Burglary-Lead-The-Hartfords-Top-Five-Small-Business-Claims/default.aspx) shows that burglary and theft remain among the most common small business property claims, representing roughly 20 percent of claims in recent years. That level of frequency should get any business owner’s attention. ## Understanding the Real Impact A break in is rarely just about stolen items. Yes, inventory and equipment may be taken, but the damage to entry points, the disruption to operations, and the time spent managing repairs can quickly outweigh the value of what was removed. In some cases, businesses must close temporarily. The financial strain often shows up in places owners did not initially anticipate. ## How Insurance Is Designed to Respond Most Business Owners Policies and commercial property policies include protection for burglary. Business personal property coverage applies to stolen inventory, furniture, fixtures, and equipment. Building coverage addresses damage caused during forced entry. Business income coverage is critical if repairs prevent you from operating at full capacity. Crime coverage is another important consideration, particularly if you handle cash or want protection against employee dishonesty. Not every policy automatically includes the level of protection your operation may require. A common issue is that coverage limits no longer reflect current values. As businesses expand, invest in new equipment, or adjust inventory levels throughout the year, insured amounts can fall behind reality. ## Practical Risk Management That Makes a Difference Reducing burglary risk starts with visible deterrence and disciplined internal controls. Well-lit entry points, monitored alarm systems, and clearly positioned cameras make a property less attractive to intruders. Internally, defined key control processes and timely updates after staffing changes limit unnecessary access. The same approach applies to cash management. Limiting the amount of cash kept on site and enforcing consistent handling procedures can significantly reduce potential losses. No business can eliminate risk entirely, but you can control how prepared you are for it. Taking the time to review your coverage limits, endorsements, and security practices can make a significant difference. Concklin Insurance Agency can walk through your current coverage and help determine whether your burglary protection aligns with your actual exposure. Reach out to schedule a coverage review. [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Risk Mitigation](https://blog.concklin.com/tag/risk-mitigation) ## Related posts [![](https://blog.concklin.com/hs-fs/hubfs/Your%20Business%20Is%20Open%2c%20but%20Your%20Supplier%20Is%20Not.png?height=200&name=Your%20Business%20Is%20Open%2c%20but%20Your%20Supplier%20Is%20Not.png)](https://blog.concklin.com/your-business-is-open-but-your-supplier-is-not-understanding-contingent-business-income-coverage) [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## [Your Business Is Open, but Your Supplier Is Not](https://blog.concklin.com/your-business-is-open-but-your-supplier-is-not-understanding-contingent-business-income-coverage) ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Jul 22, 2026, 8:00:03 AM Understanding Contingent Business Income Coverage A fire shuts down one of your largest suppliers.... [Read more](https://blog.concklin.com/your-business-is-open-but-your-supplier-is-not-understanding-contingent-business-income-coverage) [![white male small business owner looks at phone while sitting at desk with computer and coffee](https://blog.concklin.com/hs-fs/hubfs/handsome-male-freelancer-using-smartphone-and-havi-2022-12-16-06-40-50-utc-1.jpeg?height=200&name=handsome-male-freelancer-using-smartphone-and-havi-2022-12-16-06-40-50-utc-1.jpeg)](https://blog.concklin.com/cyber-crime-trends-shift-making-small-businesses-more-vulnerable) [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Cyber Liability](https://blog.concklin.com/tag/cyber-liability) ## [Cyber Crime Trends Shift Making Small Businesses More Vulnerable](https://blog.concklin.com/cyber-crime-trends-shift-making-small-businesses-more-vulnerable) ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Jul 18, 2023, 3:23:39 PM In recent years, there has been a noticeable trend in the cybersecurity landscape where larger... [Read more](https://blog.concklin.com/cyber-crime-trends-shift-making-small-businesses-more-vulnerable) [![](https://blog.concklin.com/hs-fs/hubfs/Essential%20Winter%20Risk%20Management%20Tips.png?height=200&name=Essential%20Winter%20Risk%20Management%20Tips.png)](https://blog.concklin.com/essential-winter-risk-management-tips-for-small-business-owners) [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Risk Mitigation](https://blog.concklin.com/tag/risk-mitigation) ## [Essential Winter Risk Management Tips for Small Business Owners](https://blog.concklin.com/essential-winter-risk-management-tips-for-small-business-owners) ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Nov 19, 2025, 1:24:31 PM Winter brings unique challenges for small businesses. Cold temperatures, snow, and ice increase... [Read more](https://blog.concklin.com/essential-winter-risk-management-tips-for-small-business-owners) [![Concklin Logo](https://blog.concklin.com/hs-fs/hubfs/Concklin%20Logo.png?width=150&height=48&name=Concklin%20Logo.png "Concklin Logo")](http://concklin.com) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) - About Us - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance - Resources - [Make A Payment](https://concklin.appliedpay.com/) --- REQUESTING COVERAGE DOES NOT GUARANTEE COVERAGE CAN BE PROVIDED.  COVERAGE CAN BEGIN ONLY WITH SPECIFIC STATEMENT BY A LICENSED MEMBER OF CONCKLIN INSURANCE AGENCY. MISSTATEMENTS OR OMISSIONS OF RELEVANT INFORMATION CAN LEAD TO PRICE VARIATION OR EVEN DECLINATION OR RESCISSION OF COVERAGE. NONE OF THE INFORMATION PROVIDED ON THIS WEBSITE IS A GUARANTEE THAT INSURANCE WILL BE PROVIDED OR THAT CONCKLIN INSURANCE AGENCY IS OBLIGATED TO PROCURE INSURANCE FOR ANY WEBSITE VISITORS. 240 S. WESTMORE MEYERS ROAD, LOMBARD IL 60148 630-268-1600 | [CONCKLIN@CONCKLIN.COM](mailto:concklin@concklin.com) [Privacy Policy](https://insurance.concklin.com/privacy-policy) Copyright © 2026, Concklin Insurance Agency ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Amanda Yaniz", "url" : "https://blog.concklin.com/author/amanda-yaniz" }, "dateModified" : "2026-07-10T13:43:17.667Z", "datePublished" : "2026-02-18T16:03:31.000Z", "headline" : "Burglary Is Still One of the Most Common Small Business Claims", "image" : [ "https://blog.concklin.com/hubfs/Burglary.png" ], "mainEntityOfPage" : { "@id" : "https://blog.concklin.com/burglary-is-still-one-of-the-most-common-small-business-claims", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.concklin.com/hubfs/Concklin%20Logo.png" }, "name" : "Concklin Insurance Agency" } } ``` ```json { "@context" : "https://schema.org", "@id" : "https://blog.concklin.com/#website", "@type" : "WebSite", "alternateName" : "Concklin Blog", "description" : "Insurance articles, risk management guidance, business insurance resources, personal insurance tips, cyber liability information, restaurant insurance insights, franchise insurance guidance, and coverage education from Concklin Insurance Agency.", "inLanguage" : "en-US", "name" : "Concklin Insurance Agency Blog", "publisher" : { "@id" : "https://insurance.concklin.com/#organization" }, "url" : "https://blog.concklin.com/" } ``` ```json { "@context" : "https://schema.org", "@id" : "https://blog.concklin.com/#blog", "@type" : "Blog", "description" : "Articles and resources from Concklin Insurance Agency covering business insurance, personal insurance, restaurant insurance, franchise insurance, cyber liability, claims, coverage questions, and risk management.", "inLanguage" : "en-US", "isPartOf" : { "@id" : "https://blog.concklin.com/#website" }, "name" : "Concklin Insurance Agency Blog", "publisher" : { "@id" : "https://insurance.concklin.com/#organization" }, "url" : "https://blog.concklin.com/" } ``` ```json { "@context" : "https://schema.org", "@id" : "https://blog.concklin.com/burglary-is-still-one-of-the-most-common-small-business-claims#blogposting", "@type" : "BlogPosting", "about" : [ { "@type" : "Thing", "name" : "Burglary insurance" }, { "@type" : "Thing", "name" : "Small business property claims" }, { "@type" : "Thing", "name" : "Business owners policy" }, { "@type" : "Thing", "name" : "Commercial property insurance" }, { "@type" : "Thing", "name" : "Business personal property coverage" }, { "@type" : "Thing", "name" : "Business income coverage" }, { "@type" : "Thing", "name" : "Crime coverage" }, { "@type" : "Thing", "name" : "Small business risk management" }, { "@type" : "Thing", "name" : "Cash management" }, { "@type" : "Thing", "name" : "Key control" } ], "articleSection" : [ "Business Insurance", "Risk Mitigation" ], "author" : { "@type" : "Person", "name" : "Amanda Yaniz", "worksFor" : { "@id" : "https://insurance.concklin.com/#organization" } }, "dateModified" : "2026-02-18T10:03:31-06:00", "datePublished" : "2026-02-18T10:03:31-06:00", "description" : "Burglary and theft remain common small business property claims. This article explains how business owners policies, commercial property insurance, business personal property coverage, building coverage, business income coverage, crime coverage, security practices, key control, and cash management can help businesses prepare for burglary risk.", "headline" : "Burglary Is Still One of the Most Common Small Business Claims", "image" : [ { "@type" : "ImageObject", "url" : "https://6833004.fs1.hubspotusercontent-na1.net/hubfs/6833004/Burglary.png" } ], "inLanguage" : "en-US", "isPartOf" : { "@id" : "https://blog.concklin.com/#blog" }, "keywords" : [ "burglary insurance", "small business claims", "small business property claims", "business owners policy", "commercial property insurance", "business personal property coverage", "building coverage", "business income coverage", "crime coverage", "small business risk management", "cash management", "key control", "business insurance" ], "mainEntityOfPage" : { "@id" : "https://blog.concklin.com/burglary-is-still-one-of-the-most-common-small-business-claims", "@type" : "WebPage" }, "publisher" : { "@id" : "https://insurance.concklin.com/#organization" }, "url" : "https://blog.concklin.com/burglary-is-still-one-of-the-most-common-small-business-claims" } ```