Similar to insurance companies refusing to provide flood insurance to homes in a flood plain, they will start to refuse civil unrest insurance to businesses in low-income neighborhoods.
This. What insurance companies will do in areas that are prone to riots will be to require a rider (and another premium) to be carried by the insured against “civil unrest”. Some carriers already did this and some of the businesses that were destroyed this time are NOT covered.
This will further drive business out of these communities as nobody in their right mind is going to carry an expensive rider on a major investment such as a manufacturing facility when they can locate 10 miles away and not pay it.
This statistic has crippled Detroit for the last few decades just as it has crippled Watts and other communities in California. Detroit understands it and that is why they have been so firm against rioting this time even with a deep blue government.
It is why few have built a business in Ferguson since Michael Brown. Why bother? You can locate in a place that is far less prone to riots and spend less on insurance.
These riots will have second and third order effects that won't be fully known for years.