Strikes, Riots and Civil Commotion (SRCC)

Talbot AIG provides worldwide cover for SRCC. We can offer protection against property damage and business interruption losses sustained during a committed action by a group of people to disturb the public peace for political purposes or motivations.

Previous events to have triggered SRCC policies include:

  • Arab Spring (2010) a series of anti-government protests, uprisings and armed rebellions that spread across North Africa and the Middle East resulting in significant property damage and business interruption.
  • Riots in Thailand (2013-2014) during a period of political instability resulted in anti-government protests which lead to extensive property damage and business interruption.
  • Riots in Mexico (January 2017) following a rise in fuel prices, resulting in looting, property damage, and business interruption.
  • Riots in Haiti (March 2018) during which a hotel was targeted by local civilians resulting in significant property damage


Talbot AIG has the capacity to provide up to $175 million in cover.



Physical damage

Damage to business property as a result of strike or riot action caused by civilian protest.

Business interruption

Cover for loss of income resulting from strikes, riots or civil commotion.

Extra expense

Cover for additional costs in excess of normal operating expenses that are incurred to continue operations while property is repaired or replaced.

Denial of access

Cover is provided in the event that an authority deems that operations must cease either wholly or partially. 

Clear and comprehensive wording

A clear wording which details exactly what is covered and excluded and that clearly defines triggers for cover.