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Terrorism and political violence insurance

Global solutions for unpredictable threats

Markel's market-leading Terrorism and Political Violence team provides bespoke coverage on a worldwide basis against physical damage, business interruption, third-party liability and cancellation losses directly caused by acts of political violence.

What we offer

We provide protection on a worldwide basis (excluding sanctioned territories) against physical damage, business interruption and contingency losses directly caused by acts of war, terrorism, and political violence. Many more general policies will have exclusions in place for terrorism and our dedicated offering aims to cover these gaps, as well as covering areas many other carriers cannot.


This includes cover for strikes, riots, civil commotion, insurrection, coup d’état, war, civil war, and counter-insurgency. We also provide cover against losses sustained in the aftermath of an active assailant or hostage event. The underwriting team is supported by our experienced, in-house claims team.

Coverage types

Coverage for Terrorism, sabotage, strikes, riots, civil commotion, malicious damage, revolution, rebellion, coup d’état, insurrection, civil war, war, and counter-insurgency.

Key coverages include:

  • Physical damage to first-party property
  • Business interruption following physical damage to first-party property
  • Bodily injury to third parties
  • Physical damage to third party property
  • Physical damage to first-party property caused by cyber terrorism
  • Operators’ extra expense
  • Event cancellation
  • Long periods for construction projects
  • Extensions for loss of attraction, denial of access, threat and non-damage BI

Our London Market team can offer cover on Company or Lloyd's paper, up to a maximum line size of:

  • S&T/SRCC: USD $150,000,000
  • War: USD $50,000,000
  • UK Terrorism: GBP £100,000,000

For Active Assailant risks, Markel can offer cover on Company or Lloyd's paper up to maximum line sizes of:

  • Active Assailant PD / BI: USD $30,000,000
  • Active Assailant liability: USD $10,000,000

Active assailant key coverages include:

  • Medical expenses and counselling costs
  • Crisis management service – pre/post-loss advice and support
  • Business interruption following property damage and/or bodily  
  • Physical damage to first-party property
  • Extra expenses, including employee retraining and recruitment costs

Loss of attraction key coverages include:

  • Non-damage business interruption cover
    • No requirement for first-party property damage trigger
    • Responds to losses suffered in the aftermath of a terrorist or active assailant incident within 3,000 feet

Claims


As with all our underwriting solutions, our claims service sits at the forefront of our offering.

Our dedicated in-house team are committed to delivering the highest level of service, regardless of the claim, and we aim to exceed expectations every time. Read more about our claims offering here.

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