In July 2021, South Africa experienced widespread civil unrest and riots, particularly in KwaZulu-Natal and Gauteng. These incidents were triggered by the arrest of former President Jacob Zuma and quickly escalated into looting, arson, and violence in various areas. The riots affected businesses, infrastructure, and communities, which had significant economic and social consequences. The South African government and law enforcement agencies responded by deploying military personnel to restore order and protect affected areas. Which type of reinsurance would be most suitable for an insurer seeking to protect itself against a catastrophic event such as a riot that could result in exceptionally high claims?