he images were inescapable: businesses in Ferguson, Missouri, damaged or destroyed by rioting in the wake of the Michael Brown grand jury decision.. What happens now to those livelihoods? Small-business owners who had what are commonly called a "business owner's policy" might be covered for damages, including broken windows and stolen property, from civil disobedience, says Ted Devine, chief executive of Chicago-based Insureon, an online site for small businesses seeking property and casualty insurance coverage.