Ill. Insurance Considerations For Losses Caused By Riots

Law360 (July 2, 2020, 5:48 PM EDT) -- This past month, there have been heartening scenes of peaceful protests throughout the country. There have also been incidents of property damage to businesses across the nation.

Part of the process of assessing the damages and business interruption losses is securing insurance coverage. Fortunately, most commercial property policies cover losses caused by riot, civil commotion and vandalism, whether those policies are named peril or all-risk policies.

These terms are rarely defined in insurance policies, but they have been defined elsewhere and interpreted by the courts. Webster's Third New International Dictionary defines "vandalism" as the "willful or malicious destruction or defacement of...

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