Every small activity needs to worry about external risks. A physical store often finds itself caught between various external events such as strikes, floods, and popular disturbances. In Italy, these events are traditionally handled with the SRCC insurance policy (strikes, riots, civil commotions), which covers material and direct damages caused by such acts. It is important to understand the conditions of your own insurance policy because the coverage can vary depending on the nature of the damage and any potential impact on business operations. The market context makes this topic even more concrete: according to Confcommercio, during the period from 2018 to 2025, there were 96 thousand stores closed (-14.4%), while retail sales have increased by 25.7%.

Today's physical retail manager operating in a more selective market where even an unexpected interruption of operations can have significant economic consequences. What is meant by SRCC coverage?

In Italy, SRCC risk translates, typically, into guarantees for political or third-party acts that indemnify material and direct damages caused by popular uprisings, strikes, floods, and vandalism-related events. It is not mandatory under law but often an optional extension of a multi-risk policy or dedicated guarantee.

The insured goods can include windows, signs, locks, furniture, equipment, and merchandise, either outdoors or indoors, depending on how the contract is structured. It is sufficient that the policy explicitly covers damages resulting from violent demonstrations, floods, or collective disorder, with conditions, limits, and exclusions that may vary. For forced closure days or reduced income, specific guarantees are needed, such as the Business Interruption, which can be granted as a simple percentage of direct damage (an increase based on what was actually paid out for physical losses) or as a percentage of revenue or as daily compensation for each day of forced closure or suspended activity. Stolen Merchandise.

Provide coverage for thefts related to these specific circumstances, so a simple theft insurance policy may not suffice.