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With Donald John Trump's stunning presidential election victory, many are sorely disappointed - so much so that they participate in nation-wide protests, decrying the occurrence. Though peaceful demonstrations sound benign enough, they can disrupt business and personal agendas by their presence alone. When peaceful protests turn violent, the innocent business owner faces damage risks that defy the norm. Question: What are the disturbances that can adversely affect the local community? Answer: Popular protests can result in cornered off streets, auto and vehicle traffic congestion and even violent crimes. Question: How does all this contribute to the losses individuals and business can suffer? Answer: Besides the obvious inconvenience blocked off areas and traffic snarls can cause for the average commuter, the more serious ramifications of passed-up flights, appointments and related personal and business losses can result in significant pain and suffering. Add that to a local business's loss potential and you face a loaded gun of potential for damage. Question: What are the specific damages that the business owner faces when encountering the ramifications of a protest? Answer: The potential for losses and damages as a result of a protest is mind-boggling. Included in the possible harm is: - Disruption of business - Loss of customer access to business - Broken windows - Property defacement - Damage from fire - Shoplifting For the average person on the street affected by the disturbance, a lawsuit directed at organizers may be the source for collecting payment for losses. For the small shop owner, an appropriate commercial insurance policy may hold the key to protection. A Business Owners Policy that is comprised of both property insurance as well as general liability coverage- both of which can protect from any associated devastation. Moreover, there is an added option to include business interruption coverage that shields from related damages and losses. Question: Do all business owner policies that include these factors cover indiscriminately? Answer: As in all policies, there remains differing factors to take into account. In regard to business income, coverage begins only subject to the following: - Damage is bad enough to halt operation - Employees as well as customers cannot access business due to damage in neighboring enterprises - Civil authorities place curfews or other limitations that keep general public away from business Depending on a business's scope, locale, property and industry, the coverage varies. Additionally, a policy may cover a business in regard to a specified episode, as in a 'named-perils' policy; or it may cover all incidents with the exclusion of specifically named incidents, as in an 'all-risk' policy. Question: What is the best way to locate a suitable policy? Answer: Undeniably, the best way to procure a tailored plan is to speak to an experienced independent agent that has your interests in mind. The agent will review any current policy, advise you of your individual needs, and scout the network to locate the most customized policy at the competitively lowest quote!