[20200924]IN11511_保险和意外风险：2020年的2019冠状病毒疾病和2001年的恐怖主义.pdf

CRS INSIGHT Prepared for Members and Committees of Congress INSIGHTINSIGHTi i Insurance and Unexpected Risks: COVID-19 in 2020 and Terrorism in 2001 September 24, 2020 The Coronavirus Disease 2019 (COVID-19) pandemic has disrupted the economy across the United States and the world, due to both the direct effects of the virus and the various public health measures imposed to address the disease. Many affected businesses have looked to their insurance policies to recoup some of their losses. The final extent of insurance coverage is unclear, particularly due to uncertainty around insurance policy language that may exclude virus-related losses. (For more information, see CRS Insights IN11295, IN11382, and IN11383.) Even if such exclusions are upheld, insured losses are estimated to be in the tens of billions of dollars, likely outstripping the insured losses from the September 11, 2001 terrorist attacks. The unexpected losses from the 2001 attacks caused significant disruptions in terrorism insurance markets, leading Congress to step in with the Terrorism Risk Insurance Act (TRIA; 15 U.S.C. 6701 Note). With COVID-19 also likely causing disruptions in insurance coverage, some in Congre