The theft Guarantee is often granted with a specific sum insured and a specific contribution, as an extension to the Fire and Miscellaneous Risks guarantee.

A company may, however, prefer to take out a special contract. In some cases, insurers require a specific contract when theft becomes the main risk due to the business activity. This is the case, for example, for jewelers, furriers, art galleries, electronic equipment traders.

A special theft contract is generally preferable for industrial or commercial companies in relation to precious objects. For these companies, the first concern is to insure against theft and even the multi-risk contracts that are proposed to them are run primarily around the guarantee of theft, the protection and prevention measures imposed by the contract, and the history of the company in the matter.

   A special aspect of the Business theft insurance is the Fidelity guarantee, which protects the insured against misappropriation by employees. In some markets Fidelity insurance is even a particular branch.

The theft Guarantee may cover stocks of goods, finished products or raw materials, and equipment. It may also, subject to certain preventive measures and limits specified in the contract, relate to assets and cash. In this case, it may be limited to valued goods and cash held in safekeeping or may also extend to those that are being handled by the insured's accounting departments, or being transported to the bank or from the bank to a place of payment (for example on the occasion of the pay of the employees).

The Personal theft guarantee may cover the values ​​and cash transported outside the company by employees responsible for collection or payments or payments and withdrawals to the bank. In certain cases, especially if significant sums are involved or if the pathways  are specially exposed and riskey, the insurer gives its guarantee only after having imposed conditions such as duplication of the holders of funds, armament, limitation of the sums transported, variation schedules and trips, or even accompaniment by one or more policemen, etc.

Global Bank Insurance is a special case of a multi-risk contract for companies and financial institutions whose main guarantees are diversion (Fidelity) and theft (hold-up) as well as the transportation of funds. Other guarantees are often attached to the main guarantees such as contractual civil liability toword customers, fire, flood, etc.