[20220210]IF11090_《恐怖主义风险保险法》（TRIA）.pdf

https:/crsreports.congress.gov Updated February 10, 2022The Terrorism Risk Insurance Act (TRIA)Prior to the September 11, 2001, terrorist attacks, insurance covering terrorism losses was normally included in commercial insurance policies without additional cost to the policyholders. The insured losses on all insurance lines from the 9/11 attacks exceeded $50 billion in current dollars, an amount well above other insurance industry experiences with terrorism losses. For example, Figure 1 compares the losses in property insurance lines from the 9/11 attacks to the total of the rest of the 20 largest terrorist attacks worldwide both before and since 2001. Figure 1. Insured Property Losses from Terrorism Source: Insurance Information Institute. Note: Amounts are worldwide and adjusted for inflation to 2020. Following September 2001, insurers and reinsurers pulled back from offering terrorism coverage. Some observers feared that a lack of insurance against terrorism loss would have a wide economic impact, particularly because insurance coverage can be a significant factor in lending decisions. Congress responded to the disruption in the insurance market by passing the Terrorism Risk In