ising risk and losses related to SRCC in insurance coverage
Historical event data, subjective assessments, and country-level aggregates don't provide the granular insights needed for accurate political risk insurance pricing. Effective political risk management requires sophisticated modeling capabilities that translate the complex loss drivers of SRCC into quantifiable insured loss estimates.
Discover the first catastrophe model to quantify SRCC risk
Make more informed decisions on political risk insurance pricing, capital allocation, risk management, and mitigation with numerical estimates of potential losses from SRCC events and business interruption in the United States. Our model fundamentally advances industry approaches to political violence insurance and SRCC risk assessment.
Confidently price SRCC risk with quantitative analytics
The SRCC probabilistic model estimates dollar losses, allowing direct input into pricing algorithms and capital modeling to drive more informed decisions about political risk insurance rates, limits, and terms.
Improve your political risk insurance underwriting strategy
Uncover areas of highest predicted SRCC risk to refine your underwriting strategy, selecting appropriate risks versus premium and identifying growth opportunities. Target accounts with favorable risk-return profiles and avoid high-hazard concentrations.
Plan for the plausible with stochastic SRCC scenarios
Assess tail risk more accurately through a catalog of stochastic events featuring inherently plausible scenarios that far exceed actual historical occurrences. Thousands of simulated scenarios capture the range of potential outcomes, enabling comprehensive political violence insurance portfolio analysis.
Meet regulatory stress-testing requirements
Stress-test extreme disaster scenarios to reveal potential vulnerabilities and fulfill risk management and regulatory requirements—especially given recent regulatory focus on SRCC in insurance exposures. Our SRCC model provides the quantitative foundation for regulatory submissions and internal risk management frameworks.
Features and capabilities
The SRCC model combines social science on civil unrest triggers with geographic vulnerability factor analysis and detailed property damage algorithms. City-level hazard assessment accounts for demographic, economic, and political risk indicators. Property-specific vulnerability estimates consider construction type, occupancy, and protective measures. Business interruption modeling captures both direct damage and civil authority-imposed closures, and probabilistic event sets represent thousands of years of simulated SRCC activity. Available loss estimates range from individual locations to portfolios and treaties—for strategy and reinsurance purchasing use cases from the account to the enterprise level.
U.S. commercial and municipal properties
For U.S. assets, specifically estimate commercial and municipal property losses and business interruption from SRCC-related damage (fire, looting and vandalism), down to the ZIP code level.
Loss roll-ups
Roll up SRCC modeled losses with natural peril modeled losses for a truly comprehensive, probabilistic enterprise view of risk.
Transparent methodology
Use our model to predict the severity of events by evaluating social and economic trends, political factors, and historical protest patterns.
500,000-year stochastic catalog
Reduce uncertainty in the variability of losses by tapping into an exhaustive catalog.
A complete view of SRCC risk
Combine with our Global SRCC Predictive Scores and qualitative services to create a complete view of SRCC risk in the United States.
Related resources
Explore research on civil unrest trends, the evolving political violence insurance market, and best practices for SRCC in insurance underwriting and portfolio management.
White paper
Strikes, riots and civil commotion predictive scoring
See how our two proprietary SRCC tools were used to assess SRCC risk in the US and if the 2024 election would be a major spark of unrest.
Press release
Verisk Unveils First-of-Its-Kind SRCC Catastrophe Model for the U.S. to Quantify Political Violence Risks
Verisk releases the industry’s first-of-its-kind catastrophe model to help quantify the financial impacts of strikes, riots and civil commotion (SRCC) in the United States.
Resources
About Catastrophe Modeling
For rare but severe events, historical loss information is often unreliable in assessing future loss potential. That’s where catastrophe modeling comes in.
Do more with the Verisk ecosystem
Integrate the SRCC model with our terrorism catastrophe models, exposure management platforms, and real-time event monitoring services for complete assessment of political violence insurance exposures across your portfolio.
Gain a deeper understanding of SRCC risk
Global SRCC Predictive Scores enable you to forecast and monitor geospatial SRCC risks for more than 50,000 counties and districts globally, for 12 months into the future.
The enterprise risk modeling platform
Understand your estimated exposure to loss from extreme events today—and in the future.
Verisk Synergy Studio
Verisk Synergy Studio is a powerful, flexible, and scalable catastrophe modeling and risk management platform, coming in 2026.
Geopolitical and Country Risk
Deepen your understanding of geopolitical risk and civil unrest with our qualitative services.
Contact us to learn more
Telephone support is available at the following offices, please call your local provider at one of the listed numbers below:
Support numbers:
Boston +1 6172676645
London: +44 (0)20 37640300
Munich: +49 (0)89 2323735 0
Hyderabad: +91 40 66002266
Beijing: +86 10 5965 2780
Singapore: +65 6249 0770
Tokyo: +81 (0)3 6551 2840