Stop making shit up GWBFor the most part these riot damages are not covered by insurance. Business insurance does not cover acts of civil unrest. Unless the business owners brought a civil unrest policy (which is rare) then the business owners will be paying out of pocket.
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https://www.thebalancesmb.com/property-coverage-for-riots-462690
Property Coverage for Riots, Vandalism, and Civil Commotion
Physical Property Damage
Riot, civil commotion, and vandalism are covered perils under virtually all commercial property policies. They are covered causes of loss under both named perils and "all risk" policies.
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