Summary
Riot and civil commotion are not defined in commercial property insurance policies and forms. Instead, major court decisions provide the guidelines, often based on dictionary definitions or statutes. "Riot" is defined both in dictionaries and by statute as the assemblage of three or more people that results in the use of force against individuals or property. "Civil commotion" has been described in courtrooms as an uprising among a mass of people which occasions a serious and prolonged disturbance and an infraction of civil order, not attaining the status of war or armed insurrection. Commercial property causes of loss forms and businessowners policies, including those drafted by the Insurance Services Office and the American Association of Insurance Services, include coverage for riot or civil commotion. Underwriting rules provide the option to remove riot or civil commotion coverage. It also is important to consider the importance of earnings insurance in addition to coverage for loss of merchandise from looting during the course of a riot.
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Extract
Confrontations and Protests
As American citizens, most of us expect that protest marches will be peaceful-with city approval and observance of requirements. Unfortunately, this is not always the case. Organized marches-as well as spontaneous outbursts-often can escalate into civil ...
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