[20040621]RS21445_恐怖主义保险：2002年《恐怖主义风险保险法》之后的市场.pdf

1 P.L. 107-297, codified as 15 U.S.C. 6701 et seq. For an explanation of the act, see CRSReport RS21444, The Terrorism Risk Insurance Act of 2002, by Baird Webel.Congressional Research Service The Library of CongressCRS Report for CongressReceived through the CRS WebOrder Code RS21445Updated June 21, 2004Terrorism Insurance: The Marketplace Afterthe Terrorism Risk Insurance Act of 2002Baird WebelAnalyst in EconomicsGovernment and Finance DivisionSummaryAfter the September 11, 2001, terrorist attacks on the United States, manybusinesses were not able to purchase insurance to protect against property losses in anyfuture terrorist attacks. Congress recognized the importance of such insurance for thehealth of the U.S. economy, and enacted the Terrorism Risk Insurance Act of 2002(TRIA) to create a temporary “backstop” program to share future insured terrorismlosses with property-casualty insurers and with policyholders. The act, P.L. 107-297,required insurers to offer terrorism insurance to their commercial policyholders,preserved state regulation of insurance, and directed the Secretary of the Treasury toadminister the program. The marketplace for terrorism insurance has improved since