Political violence encompasses war, civil war, insurrection, revolution, rebellion, and politically motivated civil commotion. The boundary between political violence and ordinary crime is frequently disputed in insurance and commercial disputes.
PRTC policies define political violence perils with specific waiting periods and coverage triggers. Political risk experts analyse whether specific events constitute an insured political peril rather than commercial risk or general market disruption.
In business interruption claims arising from conflict, experts provide country-specific analysis of political causes of instability, geographic and temporal scope of violence, and whether losses arose from covered political events.
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Frequently Asked Questions
How is political violence defined for insurance purposes?
Most PRTC policies define political violence to include war, civil war, insurrection, revolution, rebellion, and politically motivated civil commotion. The boundary between political violence and ordinary crime is frequently disputed. Political risk experts analyse whether the specific events constitute an insured political peril rather than commercial risk.
What is the expert's role in business interruption claims arising from conflict?
Political risk experts provide country-specific analysis of the conflict context, explaining the political causes of instability, the geographic and temporal scope of violence, and whether the business interruption losses arose from covered political events rather than general market disruption.