Which type of cover requires evidence of 'forcible entry or exit of the premises' before a claim is paid?

The correct choice is related to theft coverage. This type of insurance specifically stipulates that for a claim to be valid, there must be evidence of forcible entry or exit from the premises. This requirement is in place to prevent fraudulent claims and ensure that the theft indeed involved breaking and entering, which signifies a higher level of crime and intent compared to other incidents.

In theft coverage, this evidence is critical because it establishes that an unlawful act occurred, differentiating it from situations where items may have been misplaced or lost without a crime being committed. The emphasis on 'forcible entry or exit' serves to protect insurers from claims where there is insufficient proof of a theft incident, thus maintaining the integrity of the insurance process.

Other types of coverage, such as fire and business interruption, do not require such specific conditions related to the manner in which property was accessed or exited. Fire insurance focuses primarily on damage caused by fire, while business interruption coverage pertains to the loss of income due to operational downtime, and neither considers the physical act of entry or exit as a condition for claims. Money insurance, while it can relate to theft, does not universally require forcible entry as a prerequisite for all claims. Thus, it is the theft insurance that is distinctly characterized