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A riot is defined as an incident of violent disorder by three or more people, where the police formally declare the incident as a riot. The term riot is generally used to describe a single episode of trouble while civil commotion may relate to a more prolonged situation.
Businesses in London and other cities that had the Riot and Civil Commotion peril included within their insurance were able to claim on their policy in the aftermath of the 2011 disturbances. The sudden onset of those riots illustrates that any premises, particularly with a city centre presence, are vulnerable to attack as a result of civil unrest.
If Riot and Civil Commotion is included as a peril in your policy you will be covered for the costs of repair and replacement of items damaged as a result of a riot, providing the police formally declare that a riot has taken place.
The policy excludes damage caused by a fire because any fire that broke out as a direct result of a riot would be covered under a fire policy.
A fire policy does not cover the consequential losses incurred as a result of any interruption caused to your business. Only by taking out business interruption cover can you safeguard against these potentially enormous losses.
Nothing can prevent the emotional losses attached with damage (as was seen in 2011 in Croydon for example). By having the appropriate insurance in place however you can at least protect yourself against the potentially enormous financial impact of such an incident.
1 Apr 2016
Members of the public can join the fight against insurance fraud by reporting what they know to the Cheatline. Powered by Crimestoppers, the Cheatline is a free service that enables members of the public to anonymously report information or suspicions about insurance fraud. – Cheatline is on 0800 422 0421, or online at www.insurancefraudbureau.org/cheatline. – […]
22 Mar 2016
Spring is finally here and at this time of year there is lots of activity in gardens and allotments across the country. – Additionally, we may be buying new gardening tools and equipment and it is also traditionally a time when burglars target garden sheds, garages and outbuildings looking for power tools, bicycles and other […]
16 Feb 2016
Why you need engineering inspections Compliance with the law To avoid costly HSE fees for intervention Defence against claim or prosecution against your business or its directors personally Avoid equipment downtime Gain efficiency, longevity of plant use and reduce your environmental impact Use this link to identify the types of plant that you […]