Pa. insurance officials say damage to businesses by protests, looting, is likely covered

Damage caused to businesses by protests and looting is covered by many insurance policies, the Pennsylvania Insurance Department said as it issued guidance to help those dealing with the issue.

The department provided information for businesses trying to understand how and when they can file claims after damage from riots, vandalism, and looting.

“Businesses with damages should review their policies and file claims immediately,” Insurance Commissioner Jessica Altman said.

Standard commercial insurance policies often include coverage for damage caused by looting, vandalism, and riots, according to the insurance department. But the department warned that how insurance covers a specific loss depends on the policy’s language and coverage exclusions.

“The department has worked closely with insurers throughout the covid-19 crisis and we appreciate the flexibility that they have provided to Pennsylvania policyholders,” Altman said. “Today I am calling on carriers to again step up for the commonwealth and expedite claims processes to the extent possible to help businesses and communities in need.”

The Insurance Department’s website encourages business owners to keep track of damages, lost business income, and extra expenses caused by the claim. They also recommend saving receipts and taking photos or videos of the damage before making repairs.