It’s only a matter of time before a terrorist again targets American infrastructure for a deadly act of violence. We have seen attacks across Europe—at airports, on pedestrian avenues and atop bridges. When such a tragedy eventually reoccurs in the U.S., the victims and their survivors are likely to sue the owners, developers, contractors or design professionals involved in creating the structures where the attack occurs. Will the companies and professionals have adequate insurance coverage?

建筑行业中的许多人认为，通过与提供附加组件相关的《恐怖主义风险保险法》（TRIA）相关的保险单的额外额外费用，可以充分解决恐怖主义保险。联邦法规于2002年通过了9/11袭击，已经实施了Tria，以减轻人们担心私人保险公司会因恐怖主义风险而撤回承保范围或大幅增加保费。

Tria通过对恐怖行为造成的灾难性损失进行补贴的再保险，为保险业提供了政府的支持。但是，三角洲有重大的缺点。仅当一项恐怖主义行为造成至少500万美元的亏损时，覆盖范围才适用，而后卫再保险直到总损失超过1亿美元之前才开始。

More troubling, the coverage applies only to “certified” acts of terrorism. Certification is a political process: The secretary of the Treasury, the U.S. attorney general and the secretary of Homeland Security must all agree that the event was terrorism. This certification has not occurred one time since TRIA was enacted.

In other words, TRIA did not apply to the Boston Marathon bombings or the shootings at Pulse Nightclub in Florida or the San Bernardino, Calif.; Fort Hood, Texas; or Oak Creek, Wis., slayings. None of these events was “certified.” How likely is it that the Trump administration will recognize and identify a “certified” act of terrorism on its watch?

因此，在美国土壤上发生重大恐怖事件之后，Tria很可能不会为建筑业提供极大的舒适感。在三角洲以外，大多数行业参与者只有三个现实的恐怖主义覆盖范围：专业责任，财产保险和独立的恐怖主义责任，这对于承包商和设计专业人员而言无法市售。

Professional liability insurance is exempt from TRIA, but many insurers have terrorism exclusions in base forms or endorsements. A knowledgeable broker should be able to place firms with carriers willing to remove such exclusions. Property insurance often has first-party terrorism coverage for property damaged in an attack, but this coverage applies only if the property is owned or in the control of the insured, which would rarely be the contractor or the design professional. For owners and developers, property insurance is a viable method of insuring against terrorism exposure for physical property damage. Beyond TRIA, owners and developers also have access to the third option for coverage, stand-alone terrorism liability coverage.

尽管如此,几个选项存在改善terrorism coverage for the construction industry. Contractors and design professionals must encourage owners and developers to build in contingency for terrorism by purchasing substantial limits of first-party and liability insurance that cover non-certified acts of terror. Any iconic or high-profile project (bridges, monuments, museums and tall buildings) that is heavily used by or accessible to the public (stadiums, convention centers, airports, dormitories and parks) or that houses particularly dangerous or sensitive materials (military facilities, data centers, prisons and water treatment plants) is a potential target.

这些类型项目的承包商和设计专业人员应寻求比目前的保险计划所能提供的进一步保护。18luck官网在施工期间，建筑商的风险政策可以涵盖恐怖主义，但经纪人必须谈判标准排除措施。其他特定于项目的责任承保范围，例如专业责任和受控保险计划，也必须具有额外的恐怖主义覆盖范围。如果可用的是，应考虑各个项目和家庭办公室暴露的活动覆盖范围。18luck官网

从长远来看，保险业需要扩大产品，以为未认证的恐怖主义行为，特别是针对承包商和其他与建筑有关的当事方提供责任承保范围。特别是，一般责任承销商必须确定如何定价一个将其被保险的建筑行业的项目定价与恐怖主义有关的诉讼。该覆盖范围应适用于三角事件不适用的事件，无论是由于法定要求还是认证的政治性质。最后，创新的所有者，承包商和设计师应利用自己的国土安全安全法对技术和服务的认证，这有助于防止恐怖主义，就像几个体育运动所有者已经完成的那样。

It is impossible to know when another rare but potentially catastrophic act of terrorism may occur. Thus, it is critical for firms to push their clients, underwriters and brokers for improvements in and placement of additional coverages now.