Terrorism & Political Violence insurance
Comprehensive terrorism protection tailored to a customer’s unique risk profile.
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Unparalleled expertise, responsive service, and flexible coverage.
With industry-leading capacity and deep expertise in underwriting, we provide comprehensive terrorism protection tailored to a given unique risk profile, backed by Munich Re’s global financial strength.
Expertise
We bring deep terrorism insurance knowledge, with underwriters who have extensive experience across the sector. Our team understands complex risks, can model unique exposures, and makes nuanced coverage decisions that go beyond the standard approaches.
Stability
Offering robust financial strength through the combined backing of Munich Re and Lloyd’s, so brokers and clients have confidence in our ability to respond to claims. Our capacity and long-standing market presence demonstrate an unwavering commitment to reliable, consistent coverage.
Partnership
We prioritize responsiveness and flexibility, understanding that brokers need quick turnaround and tailored solutions. We’re not just transactional — we build relationships, adapt to client needs, and work collaboratively to provide comprehensive terrorism coverage.
Terrorism capabilities
Target classes
Residential/habitational property
Commercial real estate
Manufacturing industries
Retail and wholesale
Warehouses
Hospitality
Sports and music venues
Construction/builder’s risk
Conventional power plants
Renewable energy
Out of appetite
Risk classes that would be ineligible for consideration:
- Nuclear, chemical, biological, and radiological (NCBR) risks
- Embassies and consulates
- Military bases/housing
Coverage details
Capacity
Up to US $500,000,000 any one risk
Territories
Worldwide
Coverage details
- Property damage to insured assets
- Business interruption, including extra expense/loss of profit, delay in startup for construction risks
- Contingent time element (denial of access, loss of attraction, customers and suppliers, and others on request)
- Construction/builder’s risk terrorism (up to 72-month period)
- Third-party terrorism liability
- Cyber terrorism
- Malicious attack/active assailant
- Event cancellation following an act of terrorism or threat thereof
- Terrorism/PV reinsurance
Perils
- Terrorism, sabotage
- Strikes, riots, civil commotion
- Malicious damage
- Insurrection, revolution, rebellion
- Mutiny, coup d’état
- War, civil war
- Counterinsurgency
Value-added services
Primary, excess, or quota share participation
Dedicated exposure management team
Standalone coverage
Innovative coverage solutions
In-house claims team renowned for quality handling of all aspects of loss recovery
Local underwriters
Significant aggregate available
Claims scenarios
Terrorist attack on commercial property:
In this claims scenario, a terrorist group attacks a commercial district and targets several office buildings. One of the buildings sustains damage due to an explosion, resulting in structural damage and destruction of interior assets. The building is uninhabitable after the terrorist attack, and the commercial tenants are forced to relocate, causing loss of rental income for the property owner. The property owner’s Terrorism and Political Violence insurance coverage compensates them for the property damage, loss of rental income, and additional expenses incurred for rebuilding and security enhancements.
Active assailant incident at a workplace:
In this claims scenario, an armed individual enters a corporate office building and opens fire on employees, resulting in multiple casualties and injuries, as well as a temporary shutdown of operations as law enforcement responds to the situation. The company had Active Assailant coverage as part of their Terrorism and Political Violence insurance policy. This coverage provided financial assistance for medical expenses, counseling services for affected employees, and reimbursement for business interruption losses incurred during the shutdown period.
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