What coverage would typically respond to property damage caused by civil disturbance?

Commercial property damage insurance is designed to cover various risks associated with business property, including damage resulting from civil disturbances such as riots, looting, and vandalism. This type of coverage helps businesses recover financially from the loss or damage to their physical assets, which may occur during tumultuous events.

In contrast, standard property insurance may have limitations and exclusions regarding civil disturbances, and motor vehicle insurance primarily covers vehicles rather than buildings and fixtures. Business interruption insurance focuses on loss of income due to disruption of business operations rather than physical damage to property itself. Therefore, commercial property damage insurance is the most appropriate coverage for property damage due to civil disturbance.