Specialist Terrorism Risk Protection
Terrorism insurance protects your business against damage to property and loss of income arising from terrorist acts and civil unrest. Most standard commercial property policies exclude losses from terrorism, making specialist coverage essential for businesses concerned about this risk.
Coverage can be obtained as a standalone policy or as an extension to your existing property insurance. Terrorism coverage protects both your buildings and contents, as well as business interruption losses if your operations are disrupted. We specialize in terrorism insurance and work with specialists to ensure you have appropriate coverage at competitive rates.
What's Covered
- Property damage: Damage to your buildings, equipment, and contents from terrorist acts
- Loss of rent or income: Coverage if your business operations are disrupted by terrorism
- Alternative accommodation: Temporary relocation and alternative premises costs
- Debris removal: Costs of clearing and removing debris after an incident
- Extra expenses: Additional costs incurred in resuming operations and restoring business functions
What's Not Covered
It's important to understand what isn't covered under terrorism insurance policies. While our policies provide comprehensive protection, certain exclusions apply for specific types of incidents and activities.
War and armed conflict: Coverage excludes losses directly resulting from formal war declarations or armed conflicts between nations
Government confiscation: Seizure or confiscation of property by government authorities is not covered
Nuclear, chemical, or biological weapons: Losses from WMD attacks are typically excluded or have specific limitations
Cyber attacks: Terrorism insurance covers physical damage; cyber-related losses are typically excluded
Specialist Terrorism Coverage Options
Terrorism risk varies significantly depending on your business location, industry, and property type. We offer flexible coverage options tailored to your specific risk profile and operational needs.
Our specialist team works with you to assess your terrorism risk exposure and design comprehensive protection. We offer single-site coverage for individual properties, multi-site policies for businesses with multiple locations, and non-damage business interruption coverage to protect your ongoing operations. Coverage can be customized with varying limits, deductibles, and indemnity periods to match your risk appetite and budget. We ensure you have the right coverage without overpaying for unnecessary protections.
Threat Scenarios We Cover
We provide comprehensive coverage across the full spectrum of terrorism threats, from explosions and armed incidents to vehicle attacks and biological threats. Our insurance protects your business against these diverse risk scenarios.
Types of Coverage
Explosion & Blast Damage
Full coverage for structural damage, equipment loss, and business interruption from explosive devices and blast incidents.
Armed Assault & Active Shooter
Protection against property damage and business interruption resulting from armed incidents on your premises.
Vehicle Attacks & Bombings
Comprehensive coverage for damage from vehicle-borne terrorist attacks and bombing incidents affecting your property.
Chemical/Biological Threats
Expert coverage for chemical and biological contamination incidents, including cleanup, remediation, and business interruption.
Risk Management & Preparedness
Insurance is only one layer of terrorism risk management. We work with you to develop a comprehensive risk strategy that combines appropriate coverage with practical preparedness measures.
Our expert risk assessment evaluates your specific threat profile, location vulnerabilities, and operational vulnerabilities. We conduct site evaluations to identify potential weaknesses, help you develop contingency planning for business continuity, and recommend employee training on threat awareness and emergency response. By combining insurance protection with practical preparedness, we help your business stay resilient in the face of terrorism risk. When it comes to protecting your business against terrorism, you need a broker who understands both the insurance requirements and the practical steps to reduce risk.