I have a job in E St. Louis coming up, actually I'm going to postpone it a few more days, and I specifically asked if I was covered, and luckily I am, but my agent said most aren't!Does business insurance cover civil disobedience? Friend told said most insurance doesn't, his right outside the city limits and can see and smell the smoke from the fires. He has two pistols and two shotguns loaded and placed through out his home. People in his subdivision are worried it will spill over into the neighboring areas.