September 2023

Executive summary

Social unrest, strike action and political activism are on the rise across the globe, triggered by inequality and the growing concern that social liberties are being eroded. This scenario presents significant challenges and risks for governments, business operators and communities across the political divide.

Historically, insurance protection for losses relating to strikes, riots and civil commotion (SRCC) has been available under "All Risks" policies, subject to exclusions and specific terms being applied.

The growing frequency, scale and severity of SRCC events has led underwriters to re-evaluate their risk appetite, with tighter scrutiny on terms, exclusions and policy wordings, along with country-by-country consideration for global insurance programs. As the terrorism and political violence insurance market continues to mature, insurance specialists and risk managers continue to play a critical role in providing an effective response to meet the evolving needs and expectations of an unpredictable risk landscape.


  • Since 2017, more than 400 significant anti-government protests have erupted worldwide, according to the Carnegie Global Protest Tracker. The speed at which events are erupting, the ability to amass and organize, and the more globalized nature of discontent are changing how the threat is perceived.
  • Businesses from all industries and of all sizes have become collateral damage in the wave of civil commotion, strikes and political violence events being reported across the globe. The importance of having a robust crisis management and critical response plan in place is heightened — a plan that equips business operators to stress test their insurance programs, ensures they're fit for purpose and allows normal business operations to continue in the event of a claim.
  • A specialist political violence insurance market offers broad coverage for a range of events, encompassing smaller scale strikes and protests through to acts of terrorism and violence.

Get the Report


CONDITIONS AND LIMITATIONS Gallagher's global operations, including a network of correspondent brokers and consultants, offers client-service capabilities in more than 130 countries around the world. This report and supporting information is not intended to provide legal or financial advice and reflects our understanding as of September 2023. It should not be regarded as a comprehensive statement of the law and/or market practice in the regions covered. You should not act upon information in this publication nor determine not to act, without first seeking specific legal and/or specialist insurance and risk management expertise. Should you require advice about your specific insurance arrangements or claim circumstances, please contact your Gallagher account representative.

© 2023 Arthur J. Gallagher & Co.