Civil Commotion Insurance
Protection against property damage and business interruption from riots, strikes, and civil disturbances. Coverage for businesses in regions experiencing social unrest.
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What is Civil Commotion Coverage?
Civil commotion insurance covers losses from widespread civil disturbances that may not meet the definition of terrorism but still cause significant property damage and business disruption.
Covered Events
- Riots and mob violence
- Labor strikes and lockouts
- Civil disturbances and protests
- Vandalism during unrest
- Looting and pillage
- Sabotage by disgruntled groups
- Public disorder events
Difference from Terrorism Coverage
- Covers events without political/ideological motive
- Broader definition than terrorism
- Includes spontaneous civil disturbances
- Covers labor-related unrest
- May include events not certified as terrorism
- Often more affordable than standalone terrorism
- Complements political violence coverage
Key Benefits
Property Damage Coverage
Protection for physical damage to buildings, equipment, and inventory during civil disturbances.
Business Interruption
Compensation for lost income when civil unrest forces temporary closure or reduces customer traffic.
Comprehensive Protection
Coverage that fills gaps left by standard property insurance exclusions for civil commotion.
Protect Your Business from Civil Unrest
Get a customized quote for civil commotion coverage. We assess your exposure and design protection for your operations.