[20070117]RS21979_恐怖主义风险保险：概述.pdf

1 P.L. 107-297, 116 Stat. 2322. See CRS Report RS21444, The Terrorism Risk Insurance Act of2002: A Summary of Provisions, by Baird Webel.2 P.L. 109-144, 119 Stat. 2660. See CRS Report RL33177, Terrorism Risk Insurance Legislationin 2005: Issue Summary and Side-by-Side, by Baird Webel.Order Code RS21979Updated January 17, 2007Terrorism Risk Insurance: An OverviewBaird WebelAnalyst in EconomicsGovernment and Finance DivisionSummaryAfter September 11, 2001, many businesses were no longer able to purchaseinsurance protecting against property losses that might occur in future terrorist attacks.Addressing this problem, Congress passed the Terrorism Risk Insurance Act of 20021(TRIA), creating a temporary program to share future insured terrorism losses with theproperty-casualty insurance industry and policyholders. The act required insurers tooffer terrorism insurance to their commercial policyholders, preserved state regulationof this type of insurance, and directed the Secretary of the Treasury to administer aprogram for sharing terrorism losses. The three-year program that TRIA created backedup commercial property and casualty insurance, covering up to $100 billion each yearafter set i