"The claim will be honoured if the damage to your insured shop happened accidently due to riots and is not deliberately inflicted.
When civil unrest, rioting, and looting break out, many business owners and homeowners are justifiably concerned about property damage. Sometimes even peaceful protests can escalate and lead to vandalism and riots, and bad actors frequently take advantage of large-scale gatherings to destroy property, set fires, and/or cause other damage to public and private property.
Standard insurance policies usually cover damage that results from rioting, looting, vandalism, and/or civil commotion. This would include damage caused by rioters as well as damage caused by the reactions of police and civil authorities during a riot.
Many business owners have a businessowners policy (BOP), which combines property, liability, and business interruption coverages. These and virtually all other commercial insurance property policies should cover any damage to a business’ physical structure and its contents resulting from vandalism, rioting, or civil commotion. This usually includes any damage to exteriors, doors, light fixtures, and windows, as well as interior damage and damaged or stolen contents including computers, machinery, office supplies, furniture, etc.