Nigel Walsh's weekly articles covering highly relevent content was prescient in urging policy holders and insurers to check cover wording with the cartel violence in Mexico as the case in point. Then a warning about the Middle East where just a day later Operation Epic Fury disrupted travel and business across the region.
“Courts addressing insurance coverage disputes have consistently drawn a sharp line between organised criminal violence and political violence, and that line turns not on the scale or brutality of the conduct but on its dominant purpose,” he said.
“The central question is whether the violence was carried out primarily to achieve a political or ideological objective… or whether it was undertaken to secure private commercial advantage, such as profit, territorial control, or market dominance.”
Craig Evans Clyde & Co
International & Travel Team
Recommend reading the full article via link below. Lots to digest and consider.
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Recent cartel-linked violence in parts of Mexico, and resulting advice for Britons in affected regions to stay indoors, has prompted renewed questions about how insurance policies respond when organised criminal unrest begins to resemble something more systemic. For insurers, however, the issue is less about scale and more about classification. When violence destabilises territory but remains commercially motivated, the boundary between crime and political violence becomes decisive for coverage.
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