Terrorism Reinsurance
Provides reinsurance protection for defined terrorism-related losses within an insurer's portfolio.
Terrorism & Political Violence
Protect Against Terrorism
And Political Violence
Terrorism & Political Violence Insurance protects your property, people and operations against losses from terrorism, riots, civil unrest and political violence.
Catastrophe Risk Transfer
Capacity Enhancement
Portfolio Protection
What Is Terrorism & Political Violence ?
Understanding Terrorism & Political Violence
Terrorism & Political Violence Reinsurance protects insurers against defined losses from terrorism and political violence risks, helping manage severe, low-frequency events, accumulation exposures and portfolio volatility while maintaining underwriting capacity.
What Does It Cover?
- Terrorism
- Political Violence
- Strikes, Riots & Civil Commotion
- Insurrection & Rebellion
- Civil War
Example:
If a major insured property suffers covered damage following a terrorism or political violence event, the reinsurance programme may respond to the insurer's covered loss above the agreed retention, subject to the reinsurance terms and conditions.
Coverage Components
Comprehensive Protection Against Terrorism & Political Violence
Political Violence Reinsurance
Supports insurers against specified losses arising from political violence events.
Strikes, Riots & Civil Commotion
Provides capacity for defined losses arising from strikes, riots, and civil commotion.
Political Violence Business Interruption
Provides reinsurance protection for defined business interruption exposures arising from covered political violence events.
Catastrophe Excess of Loss
Protects against accumulated losses from a major terrorism or political violence event, subject to attachment point and limits.
Advisory Support
Protect Against Terrorism & Political Violence Risks
We understand your portfolio, geographical exposure, accumulation and risk appetite to structure appropriate reinsurance protection.
- 1.
Portfolio Risk Assessment
We analyse geographical concentrations, insured values, exposure accumulation, loss experience and portfolio characteristics.
- 2.
Reinsurance Structure & Design
Our specialists help structure appropriate retentions, limits, layers, attachment points, and event definitions.
- 3.
Reinsurer Placement
We coordinate with suitable reinsurers to secure capacity aligned with your portfolio and risk requirements.
- 4.
Treaty & Facultative Support
Our specialists support negotiations, documentation and reinsurer coordination throughout the placement process.
- 5.
Annual Portfolio Review & Renewal
Regular reviews keep your programme aligned with changes in exposure, accumulation, portfolio growth and capacity.
Manage Your Terrorism &
Political Violence Exposure
We help structure reinsurance solutions tailored to your terrorism and political violence exposures, portfolio requirements, and risk appetite.
Frequently Asked Questions
Answers to Common Insurance Queries
A single event can affect multiple insured locations within a concentrated geographic area, creating significant accumulation. Reinsurance design therefore needs to consider location-level exposure, event aggregation and maximum foreseeable loss.
The definition of an event determines how multiple losses arising from the same occurrence may be aggregated for reinsurance purposes. Event wording, hours clauses, territorial scope and applicable exclusions can materially influence the protection available.
Equirus Raghnall analyses location-wise exposure, insured values, geographical concentration, accumulation scenarios and existing retentions before developing a capacity and layering strategy suited to the portfolio.
The exposure is presented to appropriate specialist markets with detailed accumulation analysis, enabling negotiations around capacity, layers, attachment points, event definitions, exclusions and reinsurer participation.
