Which of the following is NOT covered by the Premises Burglary coverage form?

The Premises Burglary coverage form is specifically designed to cover theft of property from a business location through forced entry or specific unlawful means. Under this coverage, the key factors include how the burglar gained entry and whether the theft occurred on the insured premises.

The scenario where goods are stolen by someone sneaking through an unlocked window after closing hours does not qualify for coverage. This is because the coverage is predicated on forced entry or the perpetrator gaining access through a means that indicates a burglary, whereas an unlocked window suggests negligence on part of the property owner to secure the premises. This type of entry does not fit the parameters of a traditional burglary as outlined in the policy, which aims to cover instances of unlawful entry where there has been an active breach of security.

In contrast, goods stolen through forced entry are covered as this directly correlates with the purpose of the Premises Burglary coverage, which is to protect against theft that occurs through clearly unlawful means. Similarly, property being stolen in transit or theft at an unattended location are both outside the scope of the coverage form, as they involve scenarios not specifically tied to the premises' security and direct access. The understanding here is that Premises Burglary coverage protects against specific acts committed under particular