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ANALYSIS: Scaling back of Tripra will increase terrorism exposure

09 February 2010

The Terrorism Risk Insurance Program Reauthorisation Act provides important solvency protection for property/casualty insurers in the event of catastrophic acts of terrorism and a scaling back of the programme will increase property/casualty insurers’ exposure to terrorism, says rating agency Moody’s.

Read more: Terrorism Risk Insurance Program Reauthorisation Act terrorism insurance

The Terrorism Risk Insurance Program Reauthorisation Act (Tripra) provides important solvency protection for property/casualty insurers in the event of catastrophic acts of terrorism and a scaling back of the programme will increase property/casualty insurers’ exposure to terrorism, says rating agency Moody’s.

US president Barack Obama’s proposed budget eliminates nearly $250m in federal subsidies to insurance companies for terrorism insurance.

According to the rating agency, the companies most exposed to a reduction in reinsurance protection are those with high geographic concentrations in big urban centres, particularly through insurance lines such as workers’ compensation, property, fire following, and other large limited property and liability coverage. Generally, the companies most likely to have this profile are large, national and commercial carriers.

The Insurance Information Institute has similarly observed that the changes to the backstop would introduce market uncertainty. This in turn could lead to pricing and capacity volatility,...


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