Coverage · Terrorism (TRIA)
Terrorism coverage under TRIA.
Covers losses from certified acts of terrorism under the federal Terrorism Risk Insurance Program, added to your property and liability policies.
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Tell us about the operation.
Terrorism (TRIA)
What it covers.
Carriers must offer TRIA coverage on many commercial policies, and you can accept or decline it. For companies serving defense and government programs, lenders and contracts may require it.
We make sure the offer is accepted where it should be, and look at standalone terrorism and political violence coverage where TRIA falls short.
Typically covers
- Property damage from certified acts of terrorism
- Business income lost because of those acts
- Liability arising from certified acts
- Property and liability policies where the offer is accepted
What we check
- Whether the TRIA offer was accepted or declined
- The program’s certification requirements
- Standalone terrorism and political violence options
- Lender and contract requirements
By sector
How it applies to your sector.
Common questions
Questions we hear about this coverage.
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No. Carriers must offer TRIA coverage on many commercial policies, but you can accept or decline it. We make sure the choice is deliberate.
Acts that are not certified under the program, and exposures such as some political violence. Standalone policies can fill those gaps.
Some do, and lenders often require it on property. Send us the requirement and we will confirm.