Riot And Civil Commotion Insurance

What Does Riot And Civil Commotion Insurance Mean?

Riot and civil commotion insurance is a policy that covers financial loss due to damage to property caused by violence or disorderly actions from a group of people or a mob. These perils are often listed as covered events in a property insurance policy.

Insuranceopedia Explains Riot And Civil Commotion Insurance

A riot refers to an assembly of at least three people who come together for a cause and express their message through disruptive and often violent means. Civil commotion refers to similar behavior but carried out by a larger group. If either of these causes property damage, a homeowner’s or property insurance policy may cover the policyholder for the loss.

In addition to covering physical damage, the policy may also account for business interruption. The owner of a commercial property whose operations have been halted due to a riot or civil commotion might be eligible to file a claim for lost earnings. For example, a store owner may claim that they were forced to close their store, resulting in lost customers because of a riot or civil commotion.