Losses From Civil Protests May Cause Insurers to Rethink Property Coverage

By | July 8, 2020

  • July 8, 2020 at 12:26 pm
    Craig Winston Cornell says:
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    Great Headline: “Losses to Civil Protests . . . ”

    Trump gets accused of lumping protesters with rioters by a corrupt and dishonest press on a daily basis, even when it is clear he never does so.

    What about Insurance Journal? Do they think the rioters were “protesters”? Apparently so, since they don’t make a distinction.

    P.S. How many minority businesses were damaged by the “Civil Protesters”?

    • July 8, 2020 at 2:16 pm
      Jon says:
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      Hidden due to low comment rating. Click here to see.

      • July 8, 2020 at 2:56 pm
        Craig Winston Cornell says:
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        What are you talking about? The total irrelevance of your comment to the topic at hand is stunning. We are talking about whether the protesters were rioters and whether the rioters were protesters. What do the cops have to do with any of that? Nothing.

        Maybe you should compare and contrast with the French Revolution. (As if you could.)

        • July 8, 2020 at 3:01 pm
          Jon says:
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          Hidden due to low comment rating. Click here to see.

          • July 8, 2020 at 6:15 pm
            Craig Winston Cornell says:
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            “2 to 3 million people are in prison for marijuana violations.”

            I come to Insurance Journal for the laughs . . .

          • July 13, 2020 at 12:44 pm
            Jon says:
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            Well you certainly don’t come here to spread facts.

            2-3 million people is the accurate estimate.

      • July 13, 2020 at 1:27 pm
        bob says:
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        This is some next level tinfoil hat.

        Also, read your own link. It does not claim they were inciting violence, it claims they were gathering intel.

        As in, they went where the protestors went, they were not the leaders, nor the instigators. This is insane.

        And the left here supports you. Like Rosenblatt.

        • July 13, 2020 at 1:27 pm
          bob says:
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          I don’t see you commenting Rosenblatt, but you can’t resist when it’s agent or polar.

          • July 13, 2020 at 2:45 pm
            Rosenblatt says:
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            “Thanks” for dragging me into a conversation I wasn’t participating in. I’ll make sure to attack you when you haven’t said anything since that’s apparently okay in your eyes since you just did it to me.

  • July 8, 2020 at 1:43 pm
    Texkraut says:
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    “First ever…” “no precedent…” Really? Obviously the writer doesn’t remember (or wasn’t around) in the late 60s. I was, and I remember it very well. It seemed the whole country was on fire. The country has not been so divided since that time, but it is not the first ever and there has been precedent.

  • July 9, 2020 at 4:04 pm
    Oh Goody says:
    Hot debate. What do you think?
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    Perhaps the cities that choose to defund their police departments can use those funds to pay for losses due to riots since there will be no police to check the rioters and looters.

    • July 13, 2020 at 11:14 am
      Captain Planet says:
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      I don’t think you understand about the defunding movement. It’s not about getting rid of police officers. It’s about having police officers do less, because they are forced to respond to all situations. Defunding is about moving money around so more social workers can respond to social work related issues. Not cops. Everyone knows we need cops. But, they are having to do too much, which is causing problems for all involved.

      • July 13, 2020 at 1:35 pm
        craig cornell says:
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        Sounds wonderful. Why don’t you enumerate the types of police interactions that should be eliminated. Domestic Violence? I have heard that one a few times, but I think the word “violence” requires a police man.

        How about drug dealing? Robbery? Assault? Rape? Drunk driving? Speeding? You think a Social Worker can effectively deal with these issues?

        I know you like to “hit and run” with your comments these days, but why don’t you actually man up and defend your ludicrous proposal with specifics. You Lefties always pose as if you have discovered New Ideas!! Well, back them up. (P.S. As a Trump supporter, the more you folks talk about Defunding, the more I like it.)

        • July 13, 2020 at 2:41 pm
          Jon says:
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          The answer isn’t just social workers, it’s mental health service providers, social workers, victim/survivor advocates, religious leaders etc. basically the people who really make up the fabric of a community to look out for one another. Crime isn’t random, most of the time it happens when someone has been unable to meet their basic needs through other means. By shifting money away from the police towards services that actually meet those needs, we’ll be able to get to a place where people won’t need to commit those crimes. Wheras a person showing up with a gun is more likely to create problems than solve them. Especially when they’re so often, corrupt.

          Your claims for him to be a man are ludicrous, since you continually refuse to answer my question on the existence of systemic and institutional racism.

          Would you want your children treated the way black people are treated in this country?

          You’ve deflected and danced around it for weeks, because you KNOW the answer. You KNOW systemic and institutional racism are real, you just keep arguing against them and for keeping the current, racist system anyway. Answer the question before you call on anyone else to “man up” because you’re not a man yourself.

          • July 14, 2020 at 1:52 pm
            Craig Cornell says:
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            Surveys show that black Americans support the police by a wide majority, and they do NOT want the police to be defunded in favor of social workers. It seems they have common sense. Most criminals are criminals by choice, and not because some social worker never talked nicely to them.

            Your “systemic racism” argument has no solution. It is just a tool to bludgeon people like me who are well-meaning and happen to be white. it is the reason you will never solve anything.

          • July 15, 2020 at 11:36 am
            Jon says:
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            LOL that is as fraudulent as anything you’ve ever posted. Where is your proof of that? It doesn’t exist, because that is LUDICROUS but please, go ahead and prove to me that black people support the police by a wide majority LOL that is a bonkers lie even for you.

            There are plenty of solutions to systemic racism, it’s not “my” systemic racism. You’ve had this explained, you understand it’s there, you just don’t want to do anything about it because as we’ve noted, you are a racist, Craig.

            If you don’t believe in systemic racism, answer the question you’ve been dodging for weeks: Would you want your children treated the way black people are treated?

            You know systemic racism is real, but doing something about it would interrupt the status quo you’ve worked so hard to achieve. The problem is, your status quo systematically oppresses black people. The reason we can’t solve anything is people like you. YOU are the problem, and your unwillingness to admit that you’re wrong about something you are CLEARLY wrong about.

            I’m still laughing at your suggestion that black people support the police by a wide majority LOL that may be the most ridiculous thing you’ve ever posted, and I’m counting the time you lied and tried to say you were a black man.

          • July 15, 2020 at 11:56 am
            Jon says:
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            http://www.pewsocialtrends.org/2020/06/12/amid-protests-majorities-across-racial-and-ethnic-groups-express-support-for-the-black-lives-matter-movement/

            A majority of black men say they’ve been unfairly stopped by the police.

            Democrats are more likely than republicans to see several strategies as effective for addressing black inequality.

            That’s right, there’s not just proof that you’re wrong, there’s proof that you’re close-minded! Just because you don’t see options doesn’t mean they don’t exist.

            vox.com/2020/6/17/21292046/black-people-abolish-defund-dismantle-police-george-floyd-breonna-taylor-black-lives-matter-protest

            Research suggests black people want a systemic overhaul on crime reduction and inequality.

            You were caught lying, once again, Craig.

        • July 13, 2020 at 4:48 pm
          Rosenblatt says:
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          “Why don’t you enumerate the types of police interactions that should be eliminated.”

          I assume you know that a fully implemented Defund the Police (horrible name) would still result in cops responding to many calls, but how about we have:

          No cops – just EMTs – on calls solely for drug overdoses? (Currently both arrive on scene)

          No cops – just trained social & welfare & mental health caseworkers – for non-violent homelessness, mental and public health issues?

          • July 14, 2020 at 5:41 pm
            Craig Cornell says:
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            People who overdose are nearly always incapable of reason and are often violent. Almost none of them are going to listen to a social worker UNLESS a cop is present. And EMTs will sometimes be in danger without a cop present when dealing with an overdosed addict. That is why cops go along.

            Your so-called solutions have NOTHING to do with black lives. If they made any sense, people in liberal cities would have adopted them years ago. Please explain why Democrats in Seattle and San Francisco and elsewhere haven’t discovered your “solution”.

          • July 15, 2020 at 9:58 am
            Rosenblatt says:
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            “Please explain why Democrats in Seattle and San Francisco and elsewhere haven’t discovered your “solution”.”

            It’s called “POLICE UNIONS” who have an amazing amount of power to be able to resist any kind of change.

            Also, why don’t you think EMT’s can handle unconscious overdose calls on their own? Do you not think they’re properly trained?

          • July 15, 2020 at 12:01 pm
            Jon says:
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            Here’s another place you’re lying.

            I found this posted from a social worker, I’ll paraphrase but the message rings true. Her post was in response to a meme of cops watching a social worker try to “de-escalate” an unarmed, 6’3, 280 pound buck naked “psycho” covered in feces and swinging a metal pole.

            “This is what I get paid to do, and yes, some days I end up pinned to the wall by my neck, pulled to the ground by my pony tail, threatened with a shiv or take a rock to the back… but you know who is alive at the end of the day? Everyone. Because we have trauma informed care, safe utilization of psychiatric restraint techniques which prohibits ALL horizontal restraint, padded blocking shields to allow someone to work out their energy in a safe way or to get staff close enough to remove the pipe in this case, and when necessary phyhsician/psychiatry ordered and medically supervised use of medication deescalation, which is also then taken to a review board post use. All incidents which require ANY form of restraint are reviewed, any video is analyzed and from which we learn, grow and retrain staff as necessary.

            The “psycho” probably needs a shower, a snack and then a nap or maybe someone to talk about whatever triggered this episode. Possibly a full review of his medication for efficacy.

            Or maybe he was a black kid with autism in Austin, TX whos group home didn’t pick up his meds and give them to him for a week so he was having a meltdown, going door to door trying to find someone to help him and he gets shot to death by an armed homeowner.”

            This is the reality you want, Craig. There are options out there, you’re just too ignorant and selfish to consider them. You are a terrible person.

      • July 14, 2020 at 10:10 am
        Interested says:
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        And because there are bad apples in every bunch – when the good cops don’t call out the bad cops it leaves the hateful environment to proliferate. Bad cops spoil the whole bunch and its a shame as there are good cops out there trying to do the right thing. Defunding is a good idea. Look at Camden NJ. The people trust their police force now as they are a part of the community. it was defunded and now good is proliferating. We should all protest when we need to voice our opinions. Riots are just plain stupid as they are tearing up their own neighborhoods, generally. I’m not sure who incites the riots during a protest – but its definitely someone stupid.

  • July 28, 2020 at 5:11 pm
    slaphotpuc says:
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    who started these absurd discussion that has little to do with insurance underwriting and agents and brokers prosperity under the heavy knee of socialism by well paid thugs rioting destroying our freedom Culture and Cities? Do I want my kids to be treated like a black cop treats his when he stops his car? Does a politician grown a loudest sound when he falls in a Forrest of state contest? Who writes this inane crap in this insurance discussion thread? It must be actuaries who have never had to cold canvass to pay the rent. Insurance carriers are in business to earn a profit not as a social agency to assist the incapable or inept. Socail welfare in the multi billions are being printed as a stop gap for businesss that have been attacked by an unleashed Chines Virus that is crippling our superior economy. At best that stipend dribbling forth through an antiquated bureaucracy cannot be productive by law. Only new replacement income can pull agents and brokers out of this economic crisis that is not going away from the shear size of the power it has displayed . Vaccines have not been proven to assist as every person is not a robot. and the shear numbers taking it need to be studied as to its effectiveness. The interesting subject here is the greater movement of agencies and brokers as well as insurance carriers are merging to add a new direction or product line or service to their existing book and that is pure American innovation at work. The forced stay at home worker has found more freedom and can find new ways to deal with present clients needs by cold canvassing all over again. Clients love the personal attention. That is productive time spent. Does this make me a racist? Hell no my car wont go that fast!



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