[20071212]RS22671_恐怖主义风险保险计划：当前问题、立法和背景.pdf

Order Code RS22671Updated December 12, 2007The Terrorism Risk Insurance Program:Current Issues, Legislation, and BackgroundBaird 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 2002(TRIA, P.L. 107-297, 116 Stat. 2322), creating a temporary three-year program to sharefuture insured terrorism losses with the property-casualty insurance industry andcommercial policyholders. The act required insurers to offer terrorism insurance to theircommercial policyholders, preserved state regulation of this type of insurance, anddirected the Secretary of the Treasury to administer a program for sharing terrorismlosses. Once certain conditions were met, the initial program covered 90% of insurerlosses up to $100 billion each year. Responding to concerns that three years wasinsufficient time to allow the private sector to develop the capacity to insure terrorismrisk, the 109th Congress passed the Terrorism Risk Insurance Extension Act of 2005(TRIEA