I've recently been stung pretty bad. I brought my four wheeler to my office/shop to replace the battery. About a week later I brought my lawnmower from home up here to cut the grass. After cutting the grass it was late so I parked the lawn mower to take home the next day. Got to work the next morning and my gate chains and locks were cut, and the gate was open about four foot. I'm the first to arrive and last to leave so I knew that it was a burglary immidiately. I looked at all my equipment, welders, tools, 2 pallets of copper welding leads, must have been at least a thousand pounds of welding leads, were near the gate and surprisingly nobody touched them, that's usually the first thing an amateur thief steals around here due to the price of copper. Finally I realized my prized Yamaha Grizzly 660 was stolen. Called the police and filed a report and then realized an hour later that my Kuboto zero turn lawn mower was still here from the day before, or should have been. It was gone too. I did not have seperate policies on the zero turn tractor or four wheeler because it was more than I could afford the last time I redid the homeowners. But they were listed on the homeowners policy and I had turned in pictures at the time of buying the insurance policy. Long story short, the homeowners policy wouldn't cover either one because they were at the office and not on my property. The company insurance we have for our equipment had a fine print exclusion clause that said movables that were not parked inside a main structure would not be covered, that a fence with razor wire across the top and locked gates wasn't adequate security. I wanted to inform you guys that my irresponsibility cost me $20,000. simply because when I read the insurance policy I didn't study the fine print stuff marked with an asterisk. I was complacent, been on a main highway for 20 years and never had a thing stolen. I blocked the gate with a skytrak boom after that so if they did get back in the could only get things they could carry by hand. We had a cold front come through, and it killed the battery on that skytrak forklift. The second night that the skytrak was broken down, they cut my locks again and stole a welding trailer with a brand new Lincoln Vantage 400 stainless steel welder. I know this was a long read, but I can't stress enough to follow what the OP has posted, and also know your insurance policy inside and out to make sure both the policy are correct, and your routines match what's needed for the item to be covered. Not all places are this way, but where I live, the law enforcement officials handle thefts by giving you a police report for the insurance company. Some places have AMAZING theft investigation teams who are specifically focused and educated to recover stolen property. There's no effort to actually find the item by the law enforcement agencies here where I live though. I'm out $40,000 and completely broke from keeping my business running through this tough economy. And my grass is getting VERY tall. I don't know for sure, but I'm fairly confident that it was one of my employees, or a subcontractor that I used on a few jobs. When we had a falling out over money, he promised he would get me good. So keep an eye out as far as employees are concerned.