What Does Civil Commotion Mean?
Civil commotion is a show of violence done by a considerable number of people that can result in loss or damage to human lives and property. Insurance may cover loss or damage caused by civil commotion as additional coverage.
Insuranceopedia Explains Civil Commotion
Civil commotion may take the form of a riot or an act of political protest in a public space by a large number of people that escalates into a disturbance or interruption to peace and order. The violence it inflicts can cause harm to people and property.
Some policies consider losses and damages caused by civil commotion an exclusion. The insured might want to seek additional coverage for this particular peril.