Colombia’s 2026 presidential elections are expected to be highly polarised, with potential for large-scale protests and social unrest regardless of the winning side. The risk of strikes, riots, and civil commotion (SRCC) claims may significantly increase, putting pressure on insurers underwriting political violence covers. Reinsurers could demand stricter sub-limits and higher retentions for SRCC exposures in urban centres such as Bogotá, Cali, and Medellín. Insurers may also face reputational challenges if claims handling is perceived as slow or restrictive during politically sensitive events.