What does RSMD mean in Fire Insurance?

RSMD (Riots, Strikes, and Malicious Damage) is a multitude of risks that can be compensated by fire insurance. Specific policies such as Bharat Laghu Udyam Suraksha, Bharat Sookshma Udyam Suraksha, and Standard Fire and Special perils, grant insurance for any damage or loss caused by RSMD to furniture, stock, machinery, building etc. Hence, the RSMD in fire insurance can be referred to as the incidents that occurred due to riots or strike, and damaged the valuable goods insured.

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RSMD in Fire Insurance

RSMD (Riots, Strikes, and Malicious Damage) is one of the types of perils covered under fire insurance. Let us understand how RSMD is applied in fire insurance.


Riots refer to the public aggression and disturbances caused by crowds. While waging the act, people destroy and vandalize public or private property and make the environment disruptive. When a group of people cause such damages significantly, all the losses incurred during the act will be covered under the fire insurance policy.


A strike refers to a protest by certain employees to showcase their aggression in order to pursue the employer to perform certain acts in their favour. So, the losses or damages caused by the strike will be covered under the fire insurance. If the employees of a company wage a strike, it is evident that the employer will suffer from certain losses, and the property insured can also be harmed. In this case, the insured party (employer) may apply for the recovery of the goods under the fire insurance policy.

Malicious Damage

Malicious damages are caused purposely and consciously by a third party to destroy or vandalize property. All the destruction to a property done with the intention of causing damage will be covered under the fire insurance policy. As per the insurer, the act of destruction must be caused by a third party with no right to occupy the insured premises.

How to Claim Compensation in RSMD Cases?

If the property of a business has suffered from colossal damage or destruction by riot, strike or any third party against the insured property, insured may claim the losses under fire insurance. In order to do so, one must follow the below-mentioned points:

Claim form: The insured party needs to fill out a claim form to get compensation for the damages under the RSMD in fire insurance.

File reports: Certain reports, such as the First Information Report (FIR) or Final Investigation Report of the occurrence of the event, must be filed by the insured to claim the fire insurance policy.

Evidence: If a riot or strike has caused the loss of insured property, the insured party may get the newspaper cutting of the report and furnish it to the insurer to get the rightful claim of the fire insurance policy.

Assessment: The insured must assess the appropriate value of the insured property before the incident for filing a rightful claim.

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The damages, which have been caused due to a riot, strike or by any third-party will be covered under the fire insurance policy. The above article thus focuses on what RSMD means in the fire insurance policy. Hence, getting the property belonging to the business fully insured is essential to claim the policy of fire insurance.

Written By: PolicyBazaar - Updated: 20 March 2024
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