Social unrest is becoming a global phenomenon and no part of the world is immune from civil unrest. Global extremists aim for sensational destruction and loss of life, and give no warnings. Domestic groups in many countries are becoming more sophisticated. And you do not have to be the intended target – even an attack near your facilities could result in human casualties, property damage, business interruption, relocation costs, long-term damage to reputation and loss of public confidence.


Political Violence, Terrorism and Sabotage Insurance offers financial security against the threat of property loss, damage and business interruption following an act of terrorism or politically motivated violence, including acts of war and sovereign conflict.


What does it Cover?


Political Violence, Terrorism and Sabotage Insurance is specifically designed to cover risks associated physical loss or damage to property belonging to the insured or for which the insured is legally responsible due to Acts of Terrorism, Sabotage, Riots, Strikes and/or Civil Commotion, Malicious Damage, Insurrection, Revolution or Rebellion, Mutiny and/or Coup d’Etat, War and/or Civil War. Including loss of income (Business Interruption) sustained resulting directly as a consequence of one or more covered causes of loss.


Events and Risks Covered


Insured events include physical damage, business interruption, and third-party liability that are due to acts of terrorism, sabotage, war, civil war and other situations covered under the policy. Within this scope, the specific risks covered include:


  • Physical damage or loss to the building and its contents
  • Business interruption resulting from the necessary and unavoidable interruption of or interference with the Insured’s operations


Assessing the risk


Identifying potential targets and motive is a complex task. However, a business does not need to be the primary or intended target for it to suffer a terrorist-driven loss. It is therefore important to understand the following;


  • Threat – something with the intent/capability to exploit a vulnerability in an asset.
  • Vulnerability – a weakness in an asset that can be exploited.
  • Risk (directly and indirectly) – the probability of harmful consequences resulting from interactions between threats and vulnerable assets.


What is the target market?


Commercial business owners e.g. manufacturers, retailers, communication facilities (telecoms), financial institutions, educational institutions, health facilities, energy and power, construction, hotels and lodges, offices and property managers/real estate owners and Multinational Corporations with global exposures.


The cover is ideal for buildings, vehicles, plant & machinery, stock in trade, contents in office premises and goods in transit.


Key considerations for the insurance buyer


  • Does my existing insurance policy cover financial loss and physical damage caused by an act of terrorism?
  • Does it provide cover against terrorism and political violence including war and civil war?
  • Am I covered for every eventuality?
  • Are there gaps in my existing insurance arrangement?
  • Have I got cover that matches my requirements in different territories?
  • Do the links in my supply chain have terrorism and political violence cover?
  • What if we lose working hours following an insured peril? Are we covered?


How do I start?


Talk to us! Work with us as your insurance advisors to help you consider all the options and build a program that best protects your interests.

0202400035 | info@waltoninsurance.co.ke


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