Has anyone else had clients affected by the riots ?

Our client's shop was vandalised, robbed, and trashed during Saturday's riots. Luckily it wasn't burnt down.

They have spoken to their insurers and were told that civil disturbance, riots, etc are not covered by their policy and that this is a "standard" term in all insurance.

So, the business will close, 3 employees will lose their jobs, and there will be a very large loss relief claim backdated to recover the last 3 years tax, so the taxpayer will lose out too.

Should government step in to help these businesses recover. Should the courts seize everything owned by the criminals who did the looting. Should insurers be forced to cover ALL risks, not just the ones they decide to cover.