Burglary cover provides the cost of replacing or repairing property that is lost or damaged by theft at the premises. So it is not covering money and there is usually a requirement that there is clearly forcible and violent entry is made. However, some business packs do provide some minor limits where there is no visible sign of forcible and violent entry, for Locks and Keys lost or stolen and for seasonal increases at different times of the year.
The sub-limits decided upon can again depend on the security on the property, particularly with the use of an alarm or even high definition CCTV systems to help identify the perpetrators and enable recovery of items taken. Security systems do allow some discounts in premiums but rarely enough to pay for the system over time. The real benefit is in preventing or limiting the scope or potential for a large claim. Therefore being in a position to select lower limits of cover.