Riots, Vandalism, and Civil Commotion

10/21/2020 (Permalink)

Property Coverage

Businesses and commercial property may suffer property losses due to riots, vandalism, or civil commotion. 

Terminology

Riot: the term typically means a public disturbance involving an act of violence committed by one or more individuals who are part of a group of at least three people. To constitute a riot, individuals must act together to commit violent acts against other people or property.

Civil Commotion: the term is similar to a riot but it involves more people. It is a revolt by a large gathering of people in a public place.

Vandalism: the term refers to the intentional destruction of another party's property.

No matter which of these three it is determined to be, most likely property damage has occurred. Riot, civil commotion, and vandalism are covered perils under virtually all commercial property policies. They are covered causes of loss under both named perils and "all-risk" policies.

This information and more can be found at:  Riots, Vandalism, and Civil Commotion

If your business or commercial property has been violated in one of these ways, we can help you with board-up services, plus any cleanup and restoration of your property. 

Call us at: 217-223-2993

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