Last Updated: February 16, 2024, 11:45 am by TRUiC Team


Does Business Insurance Cover Riots?

As a business owner, it's essential to protect your company against potential risks and uncertainties that may arise. 

One of these uncertainties is the possibility of riots, which can cause significant damage to your business. 

In this guide, we’ll explore which types of business insurance policies can help protect your business from financial losses that might result from a riot.

Recommended: Next Insurance is dedicated to matching small businesses with the right policies at the best price.

A person participating in a riot.

Types of Business Insurance Policies that Cover Riots

The following are types of business insurance policies that can cover your business against potential losses caused by riots.

General Liability Insurance

General liability insurance can cover property damage and bodily injury that results from a riot, but it depends on the specific terms of the policy. 

Rioting is often classified as a civil disturbance, which is a covered peril under most general liability policies. 

However, it's important to note that some policies may exclude coverage for damage caused by riots or civil commotion or may have limitations on coverage amounts.

If your business is located in an area where riots are a known risk, you may want to consider purchasing additional coverage specifically for civil unrest. 

This type of coverage, often called "civil unrest insurance" or "riot insurance," can provide additional protection for your business in the event of damage caused by civil unrest.

Property Insurance

Property insurance protects your business against property damage caused by riots. It covers damage to your building, equipment, and inventory caused by riots, theft, vandalism, and other events. Property insurance typically includes coverage for fire, wind, and water damage as well.

It's essential to note that not all property insurance policies cover riots. Some policies may have exclusions or limitations that could impact your coverage in the event of a riot. Therefore, it's crucial to review your policy carefully and talk to your insurance agent if you have any questions or concerns.

Business Interruption Insurance

Business interruption insurance is designed to protect your business from financial losses resulting from an unexpected event, such as a riot. This type of insurance can cover lost income, ongoing expenses, and any necessary repairs or restoration to your property after a riot.

Business interruption insurance typically covers losses caused by property damage, theft, and other events that may interrupt your business operations. However, it's essential to review your policy carefully to determine whether it covers losses resulting from a riot.

Civil Unrest Coverage

Civil unrest coverage is a specific type of insurance policy that provides coverage for losses resulting from civil unrest, including riots, protests, and other events. It can cover damage to your property, lost income, and any other expenses resulting from civil unrest.

Civil unrest coverage is usually available as an add-on to a property insurance policy, and the coverage amount depends on the policy you choose. It's important to review your policy carefully to ensure it covers the specific types of losses you're concerned about.

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Recommended: Read our Cheapest Business Insurance Companies of 2024 review to find the best coverage at the lowest rate.

FAQs

Business insurance is a type of insurance that helps protect businesses from financial losses due to unforeseen events. It comes in many different types, and the specific types of coverage you need will depend on the nature of your business.

There are different types of business insurance that protect against different business risks. Some examples include general liability insurance, professional liability insurance, property insurance, workers' compensation insurance, and cyber liability insurance.

Not all business insurance policies cover riots. However, property insurance, business interruption insurance, and civil unrest coverage are types of business insurance policies that can provide coverage for losses resulting from a riot.

If your business is affected by a riot, take immediate steps to ensure the safety of your employees and customers. Document any damage and contact your insurance company to file a claim. Your insurance company will guide you through the claims process and provide assistance in repairing any damage to your property.