Terrorism insurance is offered separately or as a special addition—called an “endorsement” or “rider”—to your standard commercial property insurance policy. A standard business policy alone will not cover losses caused by terrorism.
The Terrorism Risk Insurance Act (TRIA) expires December 31, 2014. Robert Hartwig, President, Insurance Information Institute outlines the possible economic consequences if Congress fails to renew this vital legislation.
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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.