High civil turmoil, political violence is still the top 10 risks for international companies: Allianz

High levels of civil disorders and political violence are a major concern for companies of all sizes as well as insurance companies, according to the report published by Allianz Commercial.

The effect of civil disorders or strikes, riots, and civil light (SRCC) is the political exposure to the risks and violence that companies fear more, with more than 50 % of companies that are classified as SRCC as their main anxiety. The report entitled “political violence and civil disturbance trends 2025” “”

The report derives many of its data and conclusions from Barometter Risk Risk 2025, which is an annual survey of international companies, which revealed in January that political risks and violence were the 10 best global risks in the four years of the past five – 2025, 2024, 2023 and 2021.

Internet, business interruption, natural disasters listed as the best 3 commercial risks: Allianz

The commercial report of Allianz said that part of the corporate problem is the inability to predict the size of these accidents, their location and length, explaining that unlike other risks, such as storms or wind storm, it is difficult to prepare in the same way to reduce losses and build continuity plans and commercial continuity plans.

The report indicated that political violence activity can affect companies in many ways. “In addition to endangering the safety of employees and clients, these people in the vicinity can directly suffer from disturbances from work losses and material damage to property or assets, while indirect damage can be caused by companies in the form of” loss of gravity “or” denial of access to their headquarters. “

Alleanz, with the exception of the continuous social unrest in the Balkans and Turkey, pointed out that there were more than 800 anti -government protests in more than 150 countries, “with more than 160 important events during the year 2024 alone.” The report said that 18 % of these protests lasted for more than three months.

“Allianz research shows that in the best 20 countries to repeat the protest activity and riots all over the world during 2024, there were more than 80,000 accidents,” with India, France, Germany, Turkey and Spain among the best hot points.

“Since disturbances can now spread more quickly and widely – thanks to part of social media – economic and secure losses of this activity can be great,” said Allianz Commercial Report.

“Patterns of protests and violence over the past ten years have shown that targets such as government buildings, transportation infrastructure, retail buildings and critical distribution centers can be specific, but often, companies are victims of their locations and program.”

High insurance losses

The insurance companies are very concerned about the increase in the frequency and intensity of the SRCC events.

The report emphasized that “events such as riots in Chile and South Africa and the light of black life in the United States have resulted in secure losses exceeding 10 billion US dollars over the past decade, exceeding other levels of political violence and insurance for terrorism.”

He added: “In some hot areas, losses can compete or exceed natural disasters, while in others, although the direct effect may be simple, events can still lead to long -term changes in the societies that affect them.”

Religious and political terrorism

The report continued to discuss the main threat to religious and political terrorism from political extremists stimulated by both extremist and right -wing ideologies.

Allianz said that terrorism that motivates the extremist right considers many to be the fastest growing or the most prominent of local security, pointing to an analysis of the International Observatory of Studies on Terrorism (OIET), which shows that there are more than 100 reported terrorism and right -wing extremism incidents during the year 2024, driven primarily in the United States (with 76 events) and is followed by Germany (19).

The report said: “Meanwhile, the growing left -wing extremists target individuals or companies that they see as negatively contribute to issues such as capitalism, climate change or inequality,” the report said.

“Al -Allianz can be expected more and more severe during the year 2025 and beyond. In addition, extremists act increasingly on their own, making them more difficult to track, disable and prevent. In addition, extremists are increasingly acting on their own, making them more difficult to track them, disrupt and prevent them,” Al Allianz said.

Risk management and insurance

Moving to risk management and insurance technologies that can help companies reduce the risks of political violence, the report indicated that almost all property insurance categories provide a degree of SRCC coverage, and as a result, companies show increasing interest in purchasing a stand -alone coverage.

“Multi-country exposure companies show greater interest in covering political violence, but we also see greater participation than the SME and Mid-Corp space on these risks, which is a real reflection to increase anxiety in this sector,” according to Tim McGen, a regional head of property in Allianz Commercial, which was transferred in the report.

“The work interruption was ranked first in the past decade in the past decade in the annual Barometer Allianz Risk,” said SRDJAN TODOROVIC, the head of political violence and the electrocratic environment solutions.

Todorovich added that the causes of business interruption can range from the losses of business interruption from natural disasters to the cause of manufacture and malicious dangers such as political violence, terrorism, sabotage, electronic events, sanctions, definitions, commercial wars and actual wars.

“Therefore, it will be important that large companies do not think about political violence and exposure to terrorism in the same context because they are the effect of natural disasters that they may cause on their operations. The need for the risks of political violence should be taken into consideration in the interruption of business, continuity and planning.”

Risk lowering suggestions

The report continued to make suggestions from the risk experts at Allianz Commercial about what companies could do to protect their assets and employees, while ensuring the continuity of work in the event of unrest or political violence. Below is the list here:

• Continue to keep abreast of the news about planned protests, government policies and implement a BCP plan in advance if you do not have one in place already.
• Review and update your BCP if necessary. BCP and your business operations may need to modify if the system provides new requirements or if there is a risk of penalties.
• Retail companies in high streets (or main streets) should increase from security and/or reduce stocks, including those of high value assets, and those that are multinational stations or ownership of foreigners, pharmacies, and banks. Consider the temporary transfer of stock or assets if it is very likely to be affected.
• Implementing the increasing security measures in the distribution center. Prepare to transfer more online services to support the continuity of work.
• Protect your supply chains by ensuring the diversity of geography and companies.
• Review your insurance policies. Property policies may cover political violence calls in some cases, but insurance companies also provide specialized coverage to alleviate the impact of strikes, riots and civil light through the specialized political violence market.

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