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Does Insurance Protect from Protester Damage?

Oftentimes, what starts out as peaceful protests and demonstrations evolves into outright civil unrest that results in local business sustaining significant losses and property damages due to blocked off streets, traffic jams, and crime that may include violence.

Related business forfeitures may include:

  • loss of customers and commerce
  • shattered storefront windows
  • fire destruction
  • vandalism
  • stolen goods

Business Owners Insurance Policy Gives Coverage

With the right type of a Business Owners Insurance Policy, your small business will be protected from the ravages of a protest’s unrest through its included property and general liability coverage. If the coverage also embraces Business Interruption Insurance, the policy shields from income loss and/or additional incurred expenses due to related business suspension.


For coverage to be in effect one or all of the following conditions must be met:

  • Enough serious property damage to warrant interruption of operations
  • Incurred damage to surrounding properties, making it difficult for customers and/or workers to gain entry to commercial enterprise
  • Mandated evening curfews and additional restrictions that keep the public from patronizing the business

An experienced independent agency will take the time to explain the benefits of both a named-perils business owners policy as well as an all-risk one. Understanding the fine lines of coverage empowers you to be the educated insurance consumer that guarantees tailored coverage in the event of protester damage.

PRIME Insurance is a three-generation family-run independent agency. We’re proud partners with many of the leading companies in the industry – big names such as ACE, ASI, ASSURANT, CHUBB, CNA, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. With over 10,000 satisfied customers, we benefit policyholders by reviewing current coverage, as well as by shopping our wide network to locate customized policies at competitively lowest quotes.

PRIME Insurance provides all forms of nationwide coverage, including NJ travelers insurance, cheap auto insurance, low quote commercial umbrella insurance NJ,  flood insurance, NJ renters insurance, NJ homeowners insurance, NJ bonds, NJ workers comp, NJ life insurance and more. We invite you to experience the PRIME difference! Visit us on our online insurance website; email us at PRIME [at] primeins [dot] com or call us at 732-400-5242.

Summary:The world's fixation with the protests in the Middle East has prompted us to spotlight the insurance perspective on protester damage here in the United States.  


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