[20060112]RS21444_2002年《恐怖主义风险保险法》：准备金摘要.pdf

1 Terrorism risk insurance is often confused with war risk insurance, which is a differentcoverage. Risk of losses due to declared and undeclared war has historically been excluded fromcommercial and personal insurance. Since September 11, 2001, war risk is one exclusion, andterrorism risk is another.2 See “Terrorism Risk and Insurance,” Insurance Information Institute website, available athttp:/www.iii.org/media/hottopics/insurance/terrorism/.Congressional Research Service The Library of CongressCRS Report for CongressReceived through the CRS WebOrder Code RS21444Updated January 12, 2006The Terrorism Risk Insurance Act of 2002: A Summary of Provisionsname redactedAnalyst in EconomicsGovernment and Finance DivisionSummaryAfter the September 11, 2001, terrorist attacks on the United States, manybusinesses were not able to purchase insurance for risk of property loss due to futureterrorist attacks. Congress recognized the importance of terrorism risk insurance for thehealth of the U.S. economy, and enacted the Terrorism Risk Insurance Act of 2002(TRIA, P.L. 107-297) to create a temporary program to share future insured terrorismlosses with the property-casualty industry. TRIA require