July 2005 Dec Page
Question of the Month
A standard feature of property insurance forms is coverage for direct physical loss of or damage to covered property caused by or resulting from riot or civil commotion. This coverage was originally one of the extended coverages that first expanded the scope of the standard fire policy. However, the phrase “riot or civil commotion” is not specifically defined on the property causes of loss forms, and so, questions then arise. What is a riot? What is civil commotion? What is the difference (if any) between the two actions?
Can the violent acts of employees on strike be considered a riot or a civil commotion? And, how does vandalism—a separate covered cause of loss—relate to riot and civil commotion?
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