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.