Terrorism coverage in the United States operates as a public-private risk-sharing partnership that allows the federal government and the insurance industry to share losses in the event of a major certified terrorist attack. The Terrorism Risk Insurance Act (TRIA), enacted by Congress in November 2002, ensures that sufficient financial capacity is available for businesses to recover and rebuild following such events. Under TRIA, all property/casualty (P/C) insurers in the U.S. are required to make terrorism coverage available to commercial policyholders.

It's a sad fact of our world that some use violence as means to their political ends. With the possibility of terrorist acts close to home, it makes sense to understand whether your home, family and business are insured in the event of such an incident.