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Terrorism Risk Insurance Program: What You Need to Know

17 Oct, 2026 NCCI

                               

WHAT:
NCCI's latest article examines the background of insurance responses to terrorism, provides an overview of the Terrorism Risk Insurance Program (TRIP), and reviews the program's current authorization status and its relationship to the workers compensation system.

KEY INSIGHTS:

  • The TRIP was established following the events of September 11, 2001, to create a federal backstop in the event of future terrorism events.
  • TRIP requires insurers to make terrorism coverage available for certain commercial property and casualty insurance lines, including workers compensation.
  • Absent congressional action, TRIP will expire on December 31, 2027.
  • The Terrorism Risk Insurance Program Reauthorization Act of 2026 and the TRIA Program Reauthorization Act of 2026 would extend the program through 2034.

WHY IT MATTERS:

TRIP serves as a vital backstop for workers compensation insurers because state laws mandate that workers compensation policies cover terrorism without liability limits or exclusions for extreme aggregate risks.

READ THE FULL ARTICLE:

Learn more about the history of TRIP, its current legislative status, and its relationship to workers compensation in NCCI's INSIGHTS article, "Terrorism Risk Insurance Program: What You Need to Know."

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