POLITICAL VIOLENCE & TERRORISM INSURANCE

In today’s uncertain environment, even the most prepared businesses can be affected by politically motivated disturbances. Burst Insurance Agency, through our various Insurer’s, offers specialized Political Violence and Terrorism (PVT) cover to safeguard your operations, assets, and income in the face of such risks.

(PVT) Insurance is a specialized cover designed to protect businesses and individuals from financial losses caused by politically motivated events or acts of terrorism, political violence acts such as riot, strike, civil commotion, revolution, sabotage, malicious damage, and even consequential looting.

Overview of risks covered under Political Violence & Terrorism Insurance

Risks Covered

Detailed Explanation
  • Act of Terrorism
  • Targeted attacks intended to spread fear for political or ideological reasons—such as bombings or hostage situations—can cause immense damage. This policy helps you recover by covering the cost to repair property and restore business operations.
  • Sabotage
  • Intentional acts meant to obstruct or destroy your assets—like arson or interference with critical infrastructure—are covered
  • Riots, Strikes & Civil Commotion (RSCC)
  • When protests or strikes escalate into violent unrest, businesses can suffer damages and delays. This coverage ensures you're not left to face the financial fallout alone
  • Malicious Damage
  • This includes politically motivated vandalism or destruction of property. Whether your storefront is defaced or your premises are looted, this policy will ensure repairs are done and recovery actualized.
  • Insurrection, Revolution or Rebellion
  • If your area is caught in the middle of an organized uprising, losses to your physical assets or income are covered, allowing you to rebuild your buiness with confidence.
  • Mutiny & Coup d'État
  • When power struggles erupt—especially involving military or paramilitary forces—property damage and income losses can be devastating. This cover steps in to support businesses to recover from such risks.
Optional Add-Ons
  • Loss of Attraction - Recover lost income if violence nearby deters customers.
  • Active Assailant Coverage: Includes trauma support for staff and post-incident recovery.
  • Terrorism Liability: Covers legal claims from third parties affected by an attack at your premises.
  • Cyber Threat Extension: Adds protection against politically motivated hacking or data breaches.
  • Loss of Rent: Reimburses rental income if your space becomes unusable
  • Business Interruption: Compensation for lost income if your operations are disrupted.
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Common Exclusions

  • Nuclear, Biological, and Chemical Events

  • War Between Major Powers
  • Illegal Activities by the insured
  • Government Seizure or Confiscation
  • Acts of Vandalism Not Politically Motivated
  • Indirect Financial Losses e.g reputational damage or market value decline
  • Wear and Tear of the insured propert
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