This when riot is explained as an optional cover or personal line level that protects any other insurer from political analyst in the country. Basically, riot cover is a top up on one’s normal insurance cover like the house content and they need to specify what needed. Drought cover is written under NASRIA, created by Act of Parliament to cover these unrest situations. However, Namibia doesn’t have many claims under this condition, but its best for business to have this cover in order to plan in advance. There are other comprehensive when a business interruption due to the fact that there is a machine failure this affect the operation, and there will be a loss of turnover. The insurance business will kick in to cover from where the operation was affected and take it from there looking at the agreed contract.