Living in unprecedented times leads to unprecedented insurance coverage questions. On October 13th, 2022, Berger Kahn attorneys Erin Mindoro Ezra, Jamie L. Rice, and Walker Macon addressed the titular question in the Reuters article, “Riots, commotion, insurrection: What does insurance cover when society wreaks havoc?”.
The article states that many insurance policies exclude or limit liability coverage for events such as riots, civil commotions, and insurrections. Erin Mindoro Ezra, Jamie L. Rice, and Walker Macon illustrate how specific language in insurance policies must align with the court-decided categorization of current events when considering claims.
Notably, the article mentions that these definitions are likely inconsistent with widespread media labeling, emphasizing, “it is important to consult your insurance policy and state rules and regulations when chaos strikes.”