RSCC Insurance

RSCC is a form of extended coverage (rider) in insurance that protects against losses resulting from riots, strikes, and civil commotion.

In insurance, RSCC stands for Riot, Strike, and Civil Commotion—a critical yet often overlooked term. This type of protection applies to various types of insurance such as auto, property, and construction insurance.

If you own a business or assets that could be affected by riots or unrest, understanding RSCC coverage is essential. So, what exactly is RSCC in insurance? What are its benefits, and how does it differ from RSMD? Let’s dive into the details!

What Is RSCC Insurance?

RSCC is a form of extended insurance coverage (rider) that protects against losses resulting from riots, strikes, and civil commotion. Each of these events has a different definition but is closely related in the context of civil unrest:

  • Riot: An act by a group of people that disrupts public order through violence, such as vandalism, arson, or looting.

  • Strike: A labor action where workers cease work, which can sometimes escalate into riots or property damage.

  • Civil Commotion: Widespread disorder involving large groups, often resulting in mass destruction in an area.

By adding RSCC to your insurance policy, you gain peace of mind knowing that damage to your assets or business caused by such events is covered.

Functions and Benefits of RSCC Coverage

Including RSCC in your insurance policy offers several key advantages, especially for protecting assets from unpredictable risks:

1. Avoid Major Financial Losses

Riots and civil commotion can cause severe damage to property, vehicles, or business assets. If your shop is looted or your building is burned down during a riot, the repair costs can be substantial.

RSCC helps cover these losses so that you don't bear the financial burden alone.

2. Ensure Business Continuity

For entrepreneurs, disruptions from strikes or riots can significantly impact business operations. If inventory or assets are damaged, lacking RSCC insurance could lead to bankruptcy.

3. Meet Contractual or Regulatory Requirements

In certain sectors, RSCC coverage is a contractual or regulatory requirement. For example, construction firms or businesses operating in conflict-prone areas are often required to have RSCC insurance.

4. Provide Economic Resilience for Asset Owners

RSCC gives asset owners confidence and security, knowing that they are financially protected against social unrest.

RSCC vs RSMD: What’s the Difference?

Another common insurance term related to civil unrest is RSMD, which stands for Riot, Strike, Malicious Damage. While they may seem similar, RSCC and RSMD have distinct differences:

Aspect RSCC RSMD
Definition Covers losses from riot, strike, and civil commotion Covers riot, strike, and deliberate malicious damage by third parties
Risks Covered Riot, strike, civil commotion Riot, strike, malicious damage (vandalism, sabotage)
Damages Covered Limited to damage from major unrest and mass riots Includes damage from intentional acts such as vandalism or sabotage
Example Building damaged in a protest that turns violent Vehicle intentionally vandalized; factory machines sabotaged
Use in Policies Commonly added as an extension in property or business insurance Broader than RSCC; often used in commercial property coverage

Where Is RSCC Coverage Applied?

RSCC can be applied to several types of insurance:

Car Insurance

Bagi pemilik kendaraan, risiko kerusakan akibat aksi massa, seperti demonstrasi yang berujung anarkis atau bentrokan di jalan, bisa menjadi ancaman nyata. Jika mobil terkena lemparan batu atau bahkan dibakar akibat kerusuhan, biaya perbaikannya bisa sangat besar. Dengan menambahkan perluasan RSCC pada asuransi mobil, kamu bisa mendapatkan ganti rugi atas kerusakan yang terjadi akibat:
  • Mobil rusak akibat aksi unjuk rasa yang berakhir ricuh.
  • Kendaraan hancur karena aksi vandalisme selama pemogokan.
  • Kendaraan terbakar akibat kerusuhan massal.
Tanpa perlindungan RSCC, klaim asuransi untuk jenis kerusakan ini biasanya tidak akan disetujui karena dianggap sebagai kejadian luar biasa di luar cakupan asuransi standar.

Asuransi properti

Bagi pemilik rumah, ruko, atau gedung perkantoran, RSCC bisa menjadi penyelamat jika terjadi kerusuhan atau huru-hara yang menyebabkan kerusakan properti. Beberapa risiko yang bisa ditanggung dengan perluasan RSCC dalam asuransi properti antara lain:
  • Jendela dan pintu pecah akibat bentrokan massa.
  • Bangunan terbakar akibat aksi vandalisme.
  • Toko dirusak oleh massa yang melakukan huru-hara.
Dengan RSCC, pemilik properti tidak perlu menanggung seluruh biaya perbaikan sendiri jika terjadi kejadian tak terduga akibat huru-hara atau aksi massa.

Asuransi konstruksi (CAR/EAR)

Dalam proyek konstruksi, risiko pemogokan pekerja atau bentrokan di area proyek bisa menyebabkan kerugian besar. Oleh karena itu, asuransi konstruksi (Contractor’s All Risk/CAR dan Erection All Risk/EAR) sering kali menambahkan RSCC sebagai perlindungan tambahan. Perlindungan RSCC dalam asuransi konstruksi bisa melindungi dari:
  • Kerusakan alat berat atau bahan bangunan akibat demonstrasi buruh.
  • Penghentian proyek karena terjadi bentrokan.
  • Perusakan fasilitas konstruksi oleh massa yang tidak bertanggung jawab.
Bagi pengembang proyek dan kontraktor, menambahkan RSCC dalam polis asuransi konstruksi bisa membantu memitigasi risiko finansial akibat gangguan eksternal yang tidak terduga.

Who Should Consider Adding RSCC?

Not everyone needs RSCC coverage—but if your assets or business are exposed to civil unrest, it’s a smart move. Here are groups that should strongly consider it:

1. Business Owners

Shops, restaurants, and offices in city centers are often more vulnerable to large-scale demonstrations.

If your business is in a protest-prone area, RSCC can protect against damage from civil disorder.

2. Project Developers

Real estate developers or contractors working in areas with potential social conflict or labor strikes should consider RSCC protection.

This ensures financial coverage if unrest disrupts or damages the construction site.

3. Vehicle Owners in High-Risk Areas

If you live or travel frequently in areas prone to unrest, RSCC coverage for your vehicle provides peace of mind.

Major cities with a history of protests or social tension are more susceptible to such risks.

Protect Your Vehicle with the Right Insurance

Your vehicle is a valuable asset that deserves comprehensive protection—including coverage for riots or vandalism. If your current auto policy doesn’t include RSCC, now is the time to consider adding it.

Check your insurance policy to see if RSCC is already included. If not, reach out to your insurance agent to request this extension.

Don’t wait until it’s too late—make sure your vehicle is well protected against unexpected civil disturbances.

By choosing a comprehensive all risk auto insurance policy and adding RSCC, you’ll enjoy greater peace of mind while going about your daily life.

Want the best protection for your car? Visit Roojai.co.id to explore coverage options tailored to your needs!