Civil Unrest Insurance Coverage: Fundamental Issues

Summary

This practice note discusses the types of insurance coverage that may be available under property policies when an insured suffers physical loss or damage to insured property as a result of civil unrest. This practice note considers standard policy terms, limitations, and exclusions implicated by rioting, civil commotion, vandalism, and/or looting in connection with incidents of civil unrest. Further, this practice note explores how the cause of loss may impact the applicable policy deductibles and other issues that may arise between policyholders and insurers concerning the interpretation of key policy terms.