Regardless of your political persuasion or tolerance for political activism, it is evident that protests are becoming a routine experience around the country. Portland alone has had seven separate organized protests since January 19^th. This number does not include spontaneous demonstrations or protests. The thing about protests is that the protestors rarely stop to ask whether your home, business, or auto agree with their particular cause. I hope that those reading this will avoid personal injury or property damage resulting from any protests. For those less fortunate, it might be reassuring to know whether your insurance will provide coverage.

Comprehensive automobile coverage typically covers “riot or civil commotion.” Similar language is used in both residential and commercial property coverage. Businesses should confirm that their insurance package includes coverage for “business interruption.” Businesses might also need to purchase a rider for broken glass. Theft and looting are typically included within the standard coverage.

Knowing that your auto, home, or business is likely covered for damage caused by protestors hopefully provides a degree of comfort. For those looking to don a skullcap and bandana, however, it should be noted that many health insurance providers exclude coverage for injury incurred while participating in an insurrection, rebellion, or riot.