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Insurance against Terrorism

With the effects of recent events having reverberated across the country, terrorism is a topic on everyone’s tongues. Never before has it seemed more real, more terrifying, or closer to home. Both north and south have been rocked, and none of us can pretend any longer that it’s something that only ever affects other people.

It’s here, it’s happening, and it could strike at any time, which means that we need to begin thinking about how to protect ourselves from it. For those with homes or businesses, terrorism insurance is a good place to start.

What is terrorism insurance?

Although most people don’t realise it, standard property insurance policies have one very big shortcoming: they do not cover losses or damages relating to acts of war or terrorism. This is where this special type of cover steps into the breach.

Purchasable by property owners for either private or commercial purposes, it is specially formulated to cover any repairs or renovations that need to be carried out if your building is affected by such an atrocity.

How does terrorism insurance work?

As we discussed above, terrorism insurance was created to cover the losses or damages not catered for by standard property insurance policies i.e. those related to terrorist incidents. It ensures that those whose buildings are affected as a result of such attacks are not forced to cover the cost of repairs or renovations themselves.

This means that should you find yourself caught up in one of the following scenarios, it would protect you:

• Your property being damaged as a result of an explosion or attack.
• Your property having to be evacuated because of such an event.
• Your property being damaged as a result of a police raid related to terrorism.

Who should have terrorism insurance?

As is the case with every type of insurance, terrorism cover is intended to safeguard against the scenarios that we cannot foresee, so we recommend that every property owner has it. However, those particularly at risk include the following groups:

• Those who own property near a government building.
• Those who own property near a famous landmark.
• Those who own property near a major transport hub.

Choose to protect yourself today by contacting us now to find out more about our policies.