Following the recent spate of physical damage and resultant business interruption losses caused by protests in the US, there has been an uptick in Strikes, Riots & Civil Commotion (SR&CC) restrictions in limits/exclusions being imposed by Property All Risks carriers at renewals.

Miller can ease the renewal process and help you retain your existing business by placing standalone SR&CC coverage to plug the gap.  

For clients with lender obligations, any gap could potentially breach their covenants. 

Our Terrorism and Political Violence team are actively placing SR&CC gap policies, including for accounts that have suffered losses. Whilst retail accounts are challenging, we can get these done.

Even for accounts not facing explicit restrictions/exclusions, we’re finding that by stripping SR&CC out of the listed perils and placing coverage separately, carriers are far more comfortable renewing business. 

Additionally since our policies are non-cancellable, it offers piece of mind.

We can help you offer certainty of coverage to your clients, and help you retain your business.

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Terrorism & political violence

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