Civil Commotion

 

 

Civil Commotion – Rioting in Milwaukee is a concern for a sports store owner who is unable to access her premises to secure a large sportswear order scheduled for delivery to local high schools. If unable to access the premises and secure the order, the store could lose a significant investment, and the reputational impact on the business would possibly be irreparable.

Coverage

1st party coverage

Policy limit in respect of damage and /or financial loss / temporary premises / medical services and hospitalisation costs

Sub-limited cover:

    • Additional expenses
    • Death or  disablement
    • Deprivation
    • Extra expense
    • Funeral expenses

3rd Party coverage

Judgments, settlements & defense costs

Crisis Consultant costs

Definition

Civil Commotion means a disturbance of the public peace by three or more persons assembled together and acting with common intent that has caused  damage to the policyholder’s real property and/or property, or bodily injury or death and disablement to any insured person(s) or prevents the policyholder and/or any insured person(s) from having access to or from real property due to deprivation.

 

 

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