Can you name a riot in the U.S. prior 1960 where the police and government did not take a hard-line approach?
Shiat -- in previous riots in the U.S. history they had the government bring in cannon and gattling guns to fix the situation.
I am not 100% on board with the premise of the question. You have to look state by state and often policy by policy sometimes, but overall there have been massive payouts for damage resulting from civil unrest around the country.
I am not up for going too far into the weeds right now but the language in many of the policies refers to acts of war and insurrections versus just civil unrest.
https://www.cnbc.com/2020/06/03/ins...r-most-insurance-policies-for-businesses.html
Sure, it was much better when the niggynigs knew their place, Jim Crow ruled and the minorities did not have military grade guns or nothing.
The good old days in North Carolina basically.
People forget that prior to the 1960s and for some decades after, the US was the most apartheid place in the developed world. The US inspired Hitler to exterminate the Jews, South Africa was a minor league player compared to the US then.
Bring it back says the crowd from NC quietly supporting the long southern strategy.
Actually most of the large scale riots (civil unrest) prior to 1960 involved unions & strikers with the majority of participants being white. Certainly there were some exceptions to this involving race riots -- like Wilmington, NC in 1898 and Tulsa in 1921 with violence from whites towards blacks.
However most of the violence towards blacks in the era of segregation in the U.S. prior 1960 were not riots but individual small-scale incidents involving violence against blacks by groups of whites -- and rarely was justice ever served in these incidents.

Ok. I learned something lol.
I always thought insurrections were riots.
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Insurrection: A violent revolt against an oppressive authority, usually a government. “Insurrection is distinguished from rout, riot, and offense connected with mob violence by the fact that in insurrection there is an organized and armed uprising against authority or operations of government, while crimes growing out of mob violence, however serious they may be and however numerous the participants, are simply unlawful acts in disturbance of the peace which do not threaten the stability of the government or the existence of political society.” (Black’s Law Dictionary)
Insurrectionist: A person who takes part in an armed rebellion against the constituted authority (especially in the hope of improving conditions) freedom fighter, insurgent, rebel.
Based on the initial purpose of the protests that led to riots in some cases, they were not acts of insurrection, nor were the participants insurrectionists. These were not organized armed uprisings intent on overthrowing the government.
Overall, the activities of the protestors and rioters do not reach the level required to be considered an insurrection, nor does it appear the intent of the policy to exclude damage caused by insurrection applies to their actions. The exclusion does not apply.