Terrorism Insurance

Our insurance solutions provide protection against losses caused by terrorism, whether carried out by a known organisation, or a lone-wolf style attack.

Specialist guidance

When purchasing insurance cover, you may find that losses caused by terrorism aren’t automatically included. Where terrorism cover is in place, it may be that you are obliged to insure all of your premises against terrorism risk – whether or not you feel an individual premises is at risk of damage from a terrorist attack.

To help protect our clients more comprehensively and flexibly, Clear are proud to have developed an exclusive Standalone Terrorism solution in conjunction with CFC, providing security and flexibility through our bespoke insurance solutions.

CFC Standalone Terrorism policy – Key features

Capacity to insure up to £50,000,000 per location without referral to insurers and higher limits available where required, with no overall policy capacity limit

No radius limit on denial of access business interruption claims where there’s been no damage to your premises – if access to your premises is denied because of an incident somewhere else, there’s no limit to how far away that incident may be from your premises

Cover up to £250,000 for Contract Works as standard – with higher limits available on request - protecting works in progress damaged by a terrorist incident

Cover for looting following a terrorist incident

No average condition, protecting you against reductions in claims settlements in the event of underinsurance at the time of a claim

Bodily injury and property damage liability cover, ensuring you are protected against liability claims brought under Martyn’s Law

Cover for public relations and advertising costs to minimise loss of business following a terrorist incident

Terrorism cover that is compliant with Standard Council of Mortgage Lender and Lease Requirements

Difference in Conditions-Difference in Limits cover, which ensures no shortfall compared to any existing terrorism cover you may have in place. In addition, Clear are able to offer Terrorism cover for Contractors All Risks policies that are arranged for a single project, including where project periods are longer than 12 months.

Commercial property – terrorism overview

Clear’s specialists have worked with insurers to develop a product that provides comprehensive, market-leading protection as standard, whilst retaining the flexibility to tailor cover to your individual circumstances where required.

Losses caused by terrorist acts can be grouped into the following three areas:

Interruption to your business following a terrorist act. In the event of an incident, damage to your property or equipment, interruption to services and denial of access to your premises due to damage in the locality can all impact the revenue you’re able to generate

Liabilities to the public and your employees, including under Martyn’s Law, which places new obligations on operators of venues above a certain size to protect members of the public against terrorist attacks.

Property damage caused by a terrorist act

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