Political Violence & Terrorism
Political Violence and Terrorism Insurance provides financial protection against physical loss or damage to insured property arising from specified acts of terrorism, political violence and civil unrest.
In an unpredictable environment, businesses may face risks arising from riots, strikes, civil commotion, malicious damage, sabotage or terrorism. These events can lead to extensive property damage and disruption of business operations.
This specialised insurance helps businesses manage financial exposure to covered political violence and terrorism-related incidents.
Get A QuoteKey Benefits Of Political Violence And Terrorism Insurance
Property Damage Protection
Covers physical loss or damage to insured assets arising from specified political violence or terrorism events.
Business Interruption Protection
May compensate for loss of income following an insured incident where business interruption cover is included.
Protection Against Civil Unrest
Can extend to riots, strikes, civil commotion and malicious damage, depending on policy wording.
Financial Resilience
Helps businesses recover from unexpected losses without exhausting operational reserves.
Business Confidence
Provides additional protection for organisations operating in potentially exposed locations or sectors.
How Political Violence And Terrorism Insurance Works
Identify Your Exposure
We review your property locations, business activities and the political and security environment to assess your exposure to these risks.
Select Your Coverage
Choose the specific perils you want covered — terrorism, political violence, riots, strikes, civil commotion, malicious damage or sabotage.
Set Sums Insured
Declare appropriate values for buildings, contents, stock and equipment. Business interruption cover can be added to protect income.
Policy Issued
Once the premium is paid and the insurer or reinsurer accepts the risk, cover begins under the agreed terms.
Claim Following An Incident
If a covered event occurs, notify the insurer promptly with documentation including photographs, police reports and loss details.
Who Needs Political Violence And Terrorism Insurance?
Commercial Property Owners
Protect buildings and premises in areas that may be exposed to political unrest or civil disturbances.
Shopping Malls And Retail Centres
Safeguard high-traffic commercial properties against damage from riots, strikes or terrorism.
Hotels And Hospitality
Protect hospitality businesses that depend on stable operating conditions and customer confidence.
Manufacturers And Industrial Businesses
Cover factories, plant and stock against damage from political violence or civil unrest.
Financial Institutions
Protect branches, ATMs and office premises against damage from covered political violence events.
Logistics And Transport Companies
Cover assets and operations that may be disrupted by civil disturbances along transport routes.
Frequently Asked Questions
What is Political Violence and Terrorism Insurance?
It provides financial protection against physical loss or damage to insured property arising from specified acts of terrorism, political violence and civil unrest — risks that are typically excluded from standard property insurance policies.
Is this cover separate from my Fire and Burglary Insurance?
Yes. Standard Fire and Burglary Insurance usually excludes losses arising from political violence, terrorism, riots and strikes. This policy fills that gap with dedicated cover for these specific risks.
Does the policy cover business interruption?
Business Interruption cover may be included as an extension, compensating for loss of income and increased working costs following an insured political violence or terrorism event.
Are riots and strikes covered?
Depending on the policy wording, cover can extend to riots, strikes, civil commotion, malicious damage and sabotage as well as terrorism. The specific perils covered depend on the policy you choose.
How is the premium determined?
Premiums depend on the location and nature of the property, the sums insured, the perils selected and the insurer's assessment of the political and security risk profile.
Can this insurance cover multiple locations?
Yes. A single policy can cover multiple properties across different locations, with appropriate sums insured for each site.
Get A Political Violence And Terrorism Insurance Quote
Protect your business against risks beyond your control. Speak to Wysline about Political Violence and Terrorism Insurance.
Cover, limits, extensions and exclusions vary by insurer and reinsurer and are subject to underwriting acceptance and the policy terms and conditions. Speak to Wysline Insurance Agency for guidance on Political Violence and Terrorism Insurance.