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The Terrorism Risk Insurance Act (TRIA) protects policyholders and taxpayers by ensuring widespread availability of property and casualty insurance for terrorism risks and provides for an orderly recovery after an event. TRIA is made possible through a partnership between the federal government and private insurers, who together share losses resulting from catastrophic acts of terrorism.


Created in the wake of the September 11, 2001 terrorist attack, TRIA filled a critical void at a time of great national uncertainty. TRIA has been extended twice since inception (in 2005 and 2007). Adequate terrorism coverage could not exist without this federal partnership. Failure to renew TRIA could have significant financial impacts. AIA is leading the industry’s effort to renew TRIA. The current reauthorization is scheduled to sunset at the end of 2014.


For more information on the importance of TRIA’s renewal, review these resources: