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Riots? Don’t Worry - Insurance Will Cover It
 Or It Might Not

How many news reports, columns, article, commentaries, and blogs on the topic of the current protests and riots can a person swallow before reaching his limit?  Maybe you can leave room for one more - mine.

At one end of the conversational spectrum are those who advocate shooting arsonists and looters on sight. You may not agree with this, but it most assuredly guarantees that the looter/rioter/arsonist (oftentimes they are all three) will be stopped in his tracks – permanently - thus saving future loss of life and property. Again, while you may not agree with this view, there are a substantial number of people who strongly believe such actions are not only justifiable, but necessary.  Legal and moral barriers, however, tend to constrain people from taking that ultimate and decisive step.

Since the legal consequences for taking a human life are enormous, and have been exhaustively discussed countless times before in other publications, it will not be addressed again here. Suffice it to say that for deadly force to be justified, the defender must appear to have had reasonable fear of death or great bodily harm. And yes, you may defend your property, within limits, of course.

At the other end of the spectrum are those who advise business owners to shut up, don’t intervene, and be a good little victim, while your business is looted and burned to the ground. Their arguments?

  • We are making an important political and "social justice" statement. Freedom of speech, 1st Amendment and all that.

Really? Be honest - you loot because you enjoy it and believe you are entitled. Also, the right to peacefully assemble, as guaranteed by the 1st Amendment in the Bill of Rights in the U.S. Constitution, in no way protects criminal activities such as looting, arson, and vandalism.

  • Mere property is never worth more than a human life.

 Never? No exceptions whatsoever? I disagree.

  • Insurance will cover your losses. 

No, it won’t. Not completely. Let us look at the flaws with this argument.

First, nearly every insurance policy, whether it is commercial, business, residential, automobile or other, has limits. Company X will pay you no more than (fill in the blank) amount. Period.  

Secondly, there is the matter of the deductible, which is the amount of money you pay before the insurer starts covering the cost of the loss. In order to have an affordable premium, policyholders often opt for a high deductible - sometimes exceptionally high. This puts a heavy burden on the person suffering the loss.

Third, nearly every policy has exclusions. One exclusion that many people don’t know about is the “act of war” exclusion. Under most property and liability policies, acts of war are excluded to protect insurers from overwhelming claims in the event of a war. When the World Trade Center was attacked and destroyed, it was not immediately apparent whether it was an act of war or not.  Ultimately, it was decided that it was not an act of war, so therefore the claims for losses could not be denied.  

Another exclusion more to the crux of the matter at hand is the "civil insurrection" exclusion.  Commercial property polices will cover losses from domestic riots, but not from terrorism, unless a costly “rider” is attached to the policy. Are such riders available to all business in all cities? Not likely.

Are the rioters and looters in Minneapolis and other cities across America “terrorists?” Not all of them, but the ultra-dangerous ANTIFA, an anarchist organization comprised of professional troublemakers and rioters, is being studied by the Trump administration which may be moving to categorize it as a terrorist organization.  If that dangerous organization is branded de jure as such (as well it should), much of the property damage they cause may not be covered by insurance.

Tell me again how insurance will protect business owners in this case?  The ugly aftermath of riots is that lives are lost, livelihoods are ruined, people are put out of work, property is destroyed, and the nation is wounded. None of that ugly destruction solves anything.  Not one thing. 

If one cuts you with a knife, then tells you not to worry because you have insurance, and that you will heal later, is that reasonable? Would you be good little passive victim to such an assault?

At Semper Firearms Training we encourage you to buy a good firearm, get trained in how to use it, and continue your firearms training as part of a defensive lifestyle.

Please be sure to watch these two important videos and to send the links on to a friend:

Images courtesy of Oleg Volk

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Semper Firearms Training
9732 Pyramid Hwy #409
Sparks, NV 89441
775.842.6409
9 am to 7 pm Seven Days a Week
We are a training school, not a retail store
info@semperfirearms.com


Images courtesy of Oleg Volk