Terrorism Insurance and Political Violence

Political violence risks are in a constant state of flux. Never before have the lines between acts of protest, terrorism and war been so blurred.

Political violence insurance and terrorism insurance span a broad spectrum of risk, from a single act of state belligerence to the outbreak of war. This can be anything from random ‘lone wolf’ assaults to a terrorist group’s militant campaign across borders; from protesters on the streets to the overthrow of a government.

This ever changing global security landscape can make it difficult to understand, control and mitigate risks. In order to secure commercial opportunity in the face of these risks, partnering with the right broker is paramount.

Our diverse, global and creative team of specialists works as your agent and problem solver to overcome concerns or challenges, and work out a strategy to leverage your business volumes. We find opportunities where others see challenges.

We believe insurance contributes to the growth of your business as well as providing crucial protection in unstable circumstances.


Terrorism and political violence

Our commitment to developing the right solution for each client is at the core of what makes us different.

We can offer insurance cover to protect a host of political violence risks including:

means an act of force or violence committed for political, religious or ideological purposes – these can be committed by an individual acting alone or as part of an organised group

a violent disturbance by persons assembled together which threatens the public peace

this is property damage resulting from a malicious act is committed for political, religious or ideological purposes

an act of any striker or locked-out worker in the furtherance of a strike which results in physical damage

are generally defined as violent organised uprisings by citizens against a sovereign government or any of its policies

Terrorism and political violence

means the violent and illegal overthrow (or attempted overthrow) of a sovereign government

a wilful resistance by members of legally armed or peacekeeping forces to a superior officer

this is a war carried on between opposing citizens of the same country or nation

international hostile action taken by sovereign international armed forces

an act that is intended to harm another person for any reason and involves the use of a vehicle; explosive device or any hand held instrument, corrosive material or corrosive substance which results in bodily injury or property damage

a malicious act which intends to harm anther by releasing biological or chemical or nuclear or radiological materials

We recognise that every client is unique and that because of this, our approach to analysing risk, designing policies, leveraging markets and handling claims is bespoke to each client

Our analytics team enables us to better define a client’s exposure, enabling us to custom-build insurance wordings.


There is no limit to how early an insured can come to the market with a request for insurance coverage but typically insurers are unable to bind cover earlier than 60 days before the policy start date. The more information the insured is able to share on the risk exposure the more meaningful the feedback from insurers will be. If the risk information submitted is minimal and there are outstanding questions, particularly where there might be historical claims or high risk country exposure, insurers will only be able to provide theoretical feedback at best. 

We can provide you a proposal form to complete which we can then use to discuss with insurers.
Generally the key information we require is as follows:

- Location details (either address or coordinates) of the assets requiring insurance coverage
- Breakdown of the property value and associated business interruption value per asset location
- Description of business operations or asset type
- Security details
- Details of Insured parties
- Details of any claims or incidents or threats involving the assets
- Policy specifications if known (Limit of Liability, Excess / Deductibles etc)


By the insurers?  The policy is cancellable by the insurers ONLY for the non-payment of premium by the insured.

By the insured?  This policy is cancellable by the insured only in the event that the security rating of the insurers is downgraded below a specified point. In certain circumstances, we are able to negotiate a cancellation by the insured if there is a good reason for doing so, such as the insured being bought by another company. 

Please contact the named response consultants on your policy immediately, as soon as an incident has occurred or is thought to have occurred and provide them with information regarding the nature of the incident, those involved and the location. The response consultants will provide you with immediate advice and guidance on what to do next.

With these policies, your insurer is exclusively tied to a response consultant who will support you in managing a crisis from start to finish. The claim number on your policy will be the dedicated response consultants’ number which is operational 24/7, 365 days a year. You may also wish to simultaneously contact your broker to discuss the insurance coverage however we would strongly recommend that your first point of contact should always be the response consultants. NB The response consultant works in the interests of the insured not the insurers.

Please contact JLT Specialty as per the details on your policy as soon as you are aware of an incident that might give rise to a claim. Please provide information regarding the nature of the incident and the locations involved.  We will then take the appropriate action in terms of notifying insurers on your behalf.

Key Stats

20+ global security risk specialists25 years’ broking and claims experienceOver 900 security risks claims handledOnly global credit and political broker with an in-house security team


Terrorism and political violence

Clients wishing to purchase insurance for security risks need to ensure that they select a broker with the relevant skills, knowledge and expertise in their business sector. We believe insurance contributes to the growth of your business as well as providing crucial protection in challenging circumstances.

We find opportunities, where others see challenges. Our entrepreneurial culture and exclusive analytical ability helps clients to identify and realise opportunity in volatility. Here’s what makes us different:

  • We pride ourselves on being accessible across all time zones. By the very nature of these insurances, we understand the great time-sensitivities involved
  • Given the sensitivity and complexity for security-related claims, we advocate integrity, efficiency and confidentiality
Terrorism and political violence
  • We have the tenacity and desire to disrupt the market status quo and drive the insurance market forward with cutting-edge solutions. We pride ourselves in being seen as market leaders
  • We have a dedicated team of specialists around the world, focused solely on security risks, so you know you will always receive expert advice and support
  • Our long-standing relationships with the specialist insurers in this field means that our market leverage for seeking alternative structures to ensure the most competitive and holistic coverage is available to you. We set the trends, not just follow them
  • Our proprietary risk platforms and knowledge hubs are unique to the insurance market and can deliver you with critical risk insights
  • Our brokers draw on our in-house analysts’ expertise to identify current risk trends and forecasted risk developments globally that may impact you or your business.

Market advantage: the JLT facility

We believe that all clients, regardless of size, deserve to receive the advantages that the insurance market can provide. We do not outsource our services, all clients are managed in-house.

With this in mind, we set up a terrorism and political violence facility. All clients purchasing political violence cover, with up to a USD 400 million policy limit will receive a host of benefits from JLT. All risks will be modelled for PML by Sunstone and insurers will bid for the client’s risk via a competitive quoting system to push down premium prices. We do not outsource service; all clients will be managed in-house. Clients will also benefit from having access to one of the broadest policy wordings and coverage available.

The facility delivers market leverage to clients of all sizes and from all industries. It levels the playing field and ensures that each client receives the best of what the market can offer.

Insurance Solutions

Wordings can also be arranged to ‘wrap around’ the existing property or liability covers and government pool schemes if appropriate, ensuring seamless, comprehensive cover. We design products that can include:

caused directly and indirectly by a broad range of political violence risks

including loss of profits, increased cost of working and debt servicing repayments to lenders. Can include BI resulting from utilities interruption, delay in start up (DSU), denial of access or loss caused by breaks in supply chains

loss of profits, increased cost of working and other associated costs resulting from loss of attraction, threat and malicious attack/active assailant events.

cover to fill the gap caused by liability restrictions in standard property policies, including employee and public liability

we can secure market support to cover these traditionally excluded perils

extensions are utilised to align the policy to the client’s industry. For example, an energy sector client may wish to bolt-on contamination and clean-up costs, or control of well. We will always explain the variety of extensions available, and which are most relevant to your needs.

Claims capabilities

We deliver results. We deploy all resources to help resolve complex losses and deliver claim payments. Our track record is unblemished.

Our clients have confidence that the insurance policies we arrange for them are expertly structured and written by experienced insurers with strong track records in paying claims. Our approachable brokers work alongside our meticulous CPS claims professionals who specialise in handling, managing and negotiating claims.

In the unfortunate event of a loss:

  • You would have a single point of contact with overall accountability for all losses wherever they occur
  • Our proactive claims handling process would help maximise your recovery under your programme, while minimising the intrusion and interference to your on-going operations
  • We would leverage our strong relationships with the major leaders, loss adjusters and lawyers to help expedite the claims process
  • You would have access to our sophisticated pre-loss consulting and effective post-loss recovery services.

CPS Analytics

Our starting point when structuring a new policy is to precisely understand your needs.

Our brokers sit alongside a team of risk analysts drawn from security, technical and academic backgrounds. Their substantial knowledge is utilised to help us understand the precise nature of your risk profile, thereby assisting us in determining the right insurance solution for your requirements.

Using ground-breaking modelling and rating tools, such as Sunstone and World Risk Review, our analysts can pinpoint risks, map exposures, analyse the risk triggers, and evaluate probable maximum loss (PML) ratios across a portfolio of assets.

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