- Political Violence Insurance
Your Property All Risk (PAR) Policy Excludes War, Terrorism & Political Violence.
With the Middle East experiencing its most significant geopolitical tensions in decades, the time to review your coverage is now - before a loss occurs, not after.
- Property All Risk (PAR) policies almost always exclude war, terrorism & political violence
- Political Violence (PV) insurance fills that gap — covering property damage, business interruption, riots, sabotage & more
- Business Interruption extension available — covering lost income while operations are halted due to insured damage
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- What's Covered
Events a Political Violence (PV) Policy Responds To
A Political Violence (PV) policy responds when damage comes from human-driven conflict or deliberately motivated acts — covering acts of terrorism, deliberate destruction or sabotage, violent civil unrest, political uprisings, attempts to overthrow a government, war or civil war, and counter-insurgency operations.
Acts of Terrorism
Politically motivated attacks targeting business property, infrastructure, personnel, and operations - including bombings, armed assaults, and other acts designed to cause fear or destruction.
Deliberate Destruction & Sabotage
Intentional damage or destruction of business property and assets — including deliberate sabotage of equipment, facilities, and infrastructure by politically motivated actors.
Violent Civil Unrest & Public Disturbances
Physical damage to property and assets arising from riots, violent demonstrations, and public disorder events - covering losses that go beyond the limited SRCC extensions typically found in Property All Risk (PAR) policies.
Political Uprisings & Rebellion
Damage arising from organised political uprisings, insurrections, and rebellion - covering losses where groups seek to challenge or overthrow established authority through force.
Government Overthrow & Military Coups
Property damage and business losses arising from attempts to seize or overthrow governmental power - including military coups, usurpation of power, and revolutionary acts targeting the established order.
War, Civil War & Counter-Insurgency
Damage arising from declared or undeclared war, civil war, and active counter-insurgency operations - covering business assets caught in the crossfire of large-scale armed conflict or military action.
- Business Interruption Extension
Protecting Your Income, Not Just Your Property
A Business Interruption extension compensates your business for income lost while operations are halted due to insured political violence damage — ensuring that a single event does not permanently disrupt your financial position.
A BI extension can help cover:
- Damage to buildings, equipment, plant, and facilities
- Cost of rebuilding and restoring damaged property
- Lost income during the interruption period
- Emergency expenses to resume operations
- Supply chain disruptions where a supplier is also affected
Place Cover Before the Market Tightens Further
With the Middle East experiencing elevated geopolitical tension, underwriters are reviewing Political Violence (PV) capacity carefully. Businesses that have not yet placed cover — or have not reviewed their programme since the situation changed — face a narrowing window. Terms and availability can shift quickly when a region is in the news.
Act Now While Cover Remains Available
Underwriters are actively reviewing Political Violence (PV) capacity across the Middle East region. With elevated risk levels, some insurers are declining to quote or are attaching more restrictive terms. The window to place cover on favourable terms is narrowing — businesses that delay risk finding fewer options and higher premiums.
- Who Needs It
Is This Right for Your Business?
With the Middle East experiencing its most significant period of geopolitical risk in decades, any business with physical assets, operations, or supply chain exposure in the region should be reviewing its programme. Many standard policies have never been tested against the current environment.
Logistics & Manufacturing
Supply chain exposure across the Middle East makes logistics businesses highly vulnerable to political disruption.
Hospitality & Retail
Hotels, malls, and retail outlets with high footfall face direct exposure to civil commotion and terrorism risks.
Energy & Infrastructure
Oil, gas, and infrastructure businesses have significant fixed asset exposure that standard policies leave unprotected.
Construction & Financial Services
Construction projects and financial firms with physical operations or client assets across the Middle East.
- Common Questions
FAQs
Does my Property All Risk (PAR) policy cover terrorism or war?
No. Most Property All Risk (PAR) policies in the UAE and wider Middle East exclude terrorism, war, and political violence. SRCC may be included as an extension in some policies, but more serious events require a standalone Political Violence (PV) policy.
What does a Maritime policy cover?
Who needs political violence insurance?
Any business with significant physical assets, facilities, or operations in a region with elevated geopolitical risk – particularly logistics, manufacturing, retail, hospitality, energy, and infrastructure businesses across the Middle East.
How quickly can I get cover in place?
Will my existing insurer automatically renew my Political Violence (PV) cover?
- Get a Quote
Get a Quote on Political Violence Insurance
With the region experiencing heightened geopolitical tension, the gap between what a Property All Risk (PAR) policy covers and what a business actually faces has never been more relevant. Our specialists will assess your risk profile, identify gaps in your current programme, and structure the right cover for your operations.
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