SASRIA stands for South African Special Risks Insurance Association and is a state-owned short-term insurance company, established in the late 1970s following the increase of political unrest in South Africa after the 1976 uprisings. Given that the person making the inquiry above has an insurance policy which probably excludes liability for this particular risk, it is important always to add SASRIA cover to your short-term insurance policy or policies, if you have more than one so as to cover the eventuality of this risk. “ This policy does not cover loss of or damage to property related to or caused by any act which is caused by or arises from civil commotion, labour disturbances, riot, strikes, lockout or public disorder or any other act or activity which is calculated to, arises from or is directed to bring about any of the foregoing.” A typical exemption clause in your insurance contract would probably read something along these lines: Insurance policies are in fact contracts and most insurance policies would have a clause that excludes the liability of the insurance company when a property is damaged due to civil unrest, war or terrorism. However I have been wondering whether insurance companies are obliged to pay out insured persons or companies whose property was in fact damaged by these incidents.” Well in this blog we will try and answer this question. With all the civil unrest which happened in our town during 2018 and although I did not, as yet, suffer direct damage to my business premises or any of my other business assets I have suffered severe financial loss of income loss. I am a business owner in Hermanus and have a query regarding insurance. The Legal Advice Office received the following query in on Friday. "That gets the wheels rolling.SASRIA is the only insurer in South Africa that provides cover for damage caused during these kinds of incidents. "Anyone with damage, call the insurance company and turn in a claim quickly," urged Ruiz. Ruiz says people will still have to pay deductibles and wants to remind everyone to save their receipts to make sure their costs are covered. "Physical damage to homes, businesses, and vehicles resulting from the current unrest will be generally covered by insurance policies unless there are specific exclusions or additional coverage requirements," read a statement from the APCIA’s Senior Vice President of Policy Robert Gordon. The American Property Casualty Insurance Association says double check your policy, because there might be some exclusions written in. "If there is a fire or people throwing things, breaking windows, that would all be covered with your homeowners insurance." "Newer model cars generally have a comprehensive policy that would cover replacing it after a riot," said Ruiz. Ruiz says even most homes and cars would likely be covered. "So the looting, the destruction that's taken place, business insurance will cover that." "Business insurance does cover rights and civil commotion," said Janet Ruiz with the Insurance Information Institute. Insurance industry groups say common business insurance policies will cover most of the damage caused by any looting or vandalism. "It's a six-figure loss easily when you go inside and look around, but we have insurance that will cover it." San Diego Transformed By Pearl Harbor Before AND After the Dec.