Terrorism & Political Violence Policy Feature Checklist
What to confirm in a terrorism & political violence policy — what's standard, what's often limited, and what to add if needed — plus the gap most often missed.
Pull out your current property and terrorism policies and check the box next to each feature you can confirm they include — anything unchecked is worth a quick conversation with your advisor.
Tick each feature you can confirm your policy includes — anything left unticked is a good question for your next policy review.
| Confirm? | Policy feature | What to confirm | Priority |
|---|---|---|---|
| Certified Terrorism (TRIPRA) | Must be offered on most commercial property policies; confirm you did not reject it. | Standard | |
| Non-Certified Terrorism | TRIPRA has never been triggered; standalone cover pays without federal certification. | Standard | |
| Business Income | Confirm lost income is covered, not only physical damage. | Standard | |
| Strikes, Riots, Civil Commotion | Many property insurers now exclude or limit riot damage — confirm it is covered somewhere. | Often limited | |
| Event Definition (Hours Clause) | Sets how many hours of unrest count as one event and one deductible. | Often limited | |
| Denial of Access / Civil Authority | Covers income lost when police or authorities close the area without damage to your property. | Often limited | |
| Loss of Attraction | Covers income lost when an attack nearby keeps customers away. | If needed | |
| Active Assailant | Can cover victim expenses, crisis response, and liability after an attack on your premises. | If needed | |
| Nuclear, Biological, Chemical, Radiological | Usually excluded from both property and standalone terrorism forms. | If needed |
The gap most often missed in this coverage
The most commonly missed gap in this coverage is riot and civil commotion. Many businesses assume their property policy covers unrest, but insurers have been excluding or limiting it after more than $8 billion in insured unrest losses from 2020 to 2024, and federal terrorism coverage (TRIPRA) does not include it. Read your property policy's riot wording and confirm how many hours of unrest count as one event.
Send us the checklist and we'll review your terrorism & political violence coverage line by line, then market it across multiple carriers that compete for your account.
Related: Terrorism & Political Violence Insurance · Terrorism & Political Violence Supplemental (apply) · All coverage checklists
Frequently asked questions
What should a terrorism & political violence policy include?
Standard features to confirm in a terrorism & political violence policy include Certified Terrorism (TRIPRA), Non-Certified Terrorism, Business Income. This checklist also flags the features that are often limited or sublimited and the ones to add if needed, with a plain-English note on each.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my terrorism & political violence coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.