Standalone Property Terrorism Coverage


The threat of terrorism has become a greater concern for companies in today’s uncertain and rapidly evolving global political climate.

Once a rarely needed element included within most property policies, terrorism coverage is now an integral aspect of a comprehensive risk management program.

AIG’s property terrorism insurance is designed to protect businesses from potentially devastating losses, both domestic and abroad, that can result from a terrorist act. Our coverage goes beyond government-mandated protection and offers industry-leading limits for the unexpected times a business may need it most.

Features & Benefits

  • Broad definition of terrorism that covers certified and non-certified acts of terrorism
  • Coverage is provided for acts of terrorism committed domestically and abroad
  • Flexibility of underwriting on a primary or excess basis
  • Flexibility of rate and form allows for ease of handling unique coverage situations
  • Customization of coverage to augment locally-mandated and government administered programs available
  • Coverage can be extended to losses arising from attacks using biological or chemical agents through the BioChem Shield® endorsement in the U.S. and Canada
  • Coverage for business interruption losses and expenses incurred when a civil or military order is imposed following a terrorist act is available through the OpShield® endorsement in the U.S. and Canada
  • Threat and vulnerability assessment and online crisis management services available


  • Property limits up to $1 billion available in the U.S. and up to $250 million in central business districts
  • Property limits up to $250 million in Canada and $100 million for other international exposures
  • Debris removal included
  • International difference in conditions (DIC) coverage to expand local compulsory schemes or local elective schemes
  • Available sublimits of up to $25 million for BioChem Shield coverage in the U.S. and Canada
  • Available sub-limits of up to $25 million for OpShield coverage in the U.S. and Canada