What is terrorism insurance?

Business owners, risk managers and insurers are concerned with mitigating the risks posed by increasingly prevalent, damaging and random terrorist attacks. Losses, costs, damages and expenses caused by acts of terrorism are typically excluded from standard commercial insurance policies, therefore terrorism insurance cover must either be added on as an extension or purchased as a stand-alone policy.

In 1993, the UK Government established the Pool Reinsurance Company (Pool Re), as a mutual insurance pool. The Pool Re scheme allows participating insurers to offer terrorism insurance. If Terrorism losses occur, insurers are reimbursed from Pool Re’s accumulated funds. If Pool Re cannot cover the losses, Pool Re relies on an unlimited loan facility via Her Majesty’s Treasury.

However, Inperio believe that the Pool Re scheme has limitations which mean it can be restrictive for some clients that have specific terrorism insurance requirements on large and diverse portfolios.

Cover highlights


  • Our definition of Terrorism extends to include sabotage, acts committed for political, religious or ideological purposes (eg animal and environmental rights) and acts which solely put the public in fear
  • Selective properties within a portfolio can be insured specifically
  • A first loss limit can be applied across a number of geographically spread properties to reflect the lower risk
  • Business Interruption extends to include Loss of Rent, Alternative Accommodation and Denial of Access protection whereby an incident is within a defined vicinity of the insured’s premises
  • UK wide coverage including Channel Islands
  • Nuclear, Biological, Chemical & Radioactive cover is available on request
  • Worldwide cover – available on request
  • Event cancellation cover – available on request
  • Contingent BI – available on request


Making things easy


Our digital trading platform puts you in charge. Built with the user in mind, there are no unnecessary questions, the system is easy to navigate, responsive and empowered for your quotation needs.

Do you need to insure a property with a declared value up to £100m?

No problem. Our system can rate up to £100m in real time, or you can speak to our expert underwriters.

Do you need your documentation in an instant?

No problem. You can download or email contract certain documentation in an instant.

Do you need to add large property portfolios or multiple locations to a terrorism insurance quote?

No problem. Property schedules can be uploaded into the digital trading platform at the touch of a button.


Get in touch to find out how we can help you

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Product Governance & FVA

We are experienced risk advisors and insurance practitioners, and we focus on niche areas of insurance and risk transfer, where we have built up a strong technical knowledge supporting demands that are routinely complex and wide ranging.

Get in touch with out team to find out more