Civil Disorders and Insurance

Policy coverage for civil disturbances.
June 3, 2020

Looting that has accompanied some of the protests over the killing of George Floyd by police in Minneapolis has hit national chains and many local businesses that were already struggling due to the coronavirus pandemic. How and whether these businesses bounce back from the unrest depends in part on their policy coverage for civil disturbances. Janet Ruiz, Insurance Information Institute (Triple-I) director of strategic communications, said that large chains have sophisticated policies that cover the entire chain for losses that total millions of dollars. However, the amount of coverage for smaller businesses can vary widely in terms of deductibles and dollar limits.

READ: Is Looting Covered by Insurance? Depends on the Business

Depending on the nature of the property, there are several types of insurance coverages available to protect homes, businesses or vehicles from most forms of civil commotion according to a summary compiled by Triple-I.

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