Terrorism Risk Insurance
Terrorism Risk Insurance
While Australia is considered a low-risk terrorism zone, the financial and operational impact of an act—or threat—can be catastrophic. Angelic Insurance’s Terrorism Risk Insurance provides vital protection for businesses and property owners exposed to acts of terrorism, sabotage, or politically motivated violence.
This cover fills a critical gap in many standard property or liability policies, which often exclude damage caused by terrorism. Whether you're protecting a CBD office tower, major event, retail hub, or critical infrastructure, Angelic ensures you’re covered against the unthinkable—with fast claims response, security support, and specialist underwriting.
How It Works
Here’s how Angelic Insurance protects your business against terror-related disruption:
Risk Assessment
We evaluate your property, operations, and proximity to high-profile targets or crowded places.
Policy Structuring
Angelic sources terrorism-specific cover, or adds it via endorsement to your existing property/business pack policy.
Global and Local Underwriters
We work with both local and global terrorism reinsurers for comprehensive options.
Response and Recovery
If a terrorism event occurs, Angelic activates response support, assesses damage, and fast-tracks compensation.
Why You Need It?
In many policies, terrorism is specifically excluded. And yet:
Australia has experienced politically motivated attacks
Many CBD commercial buildings are potential targets
Events, public gatherings, and transport hubs face elevated threat
Major financial institutions and contractors are exposed by proximity or profile
Some lenders, landlords, and government contracts require terrorism cover With Angelic Insurance, you ensure your coverage keeps up with today’s global threat landscape.
How Angelic Insurance Can Help?
We understand terrorism is a sensitive and complex risk. Angelic Insurance brings:
Standalone or bundled terrorism coverage for all industries
Property and income protection in high-risk areas (CBDs, stadiums, airports)
Coverage tailored for events, construction, infrastructure, and finance
Access to specialist terrorism risk pools and reinsurers
Crisis support and legal defence if affected by political violence
Compliant cover where terrorism exclusions exist in regular policies Whether you own commercial real estate or host major events, Angelic Insurance ensures you stay financially secure—even in worst-case scenarios.
Challenges Businesses Face Without Terrorism Risk Insurance
Property Damage from Acts of Terrorism: Repair and rebuild costs if buildings or infrastructure are targeted.
Loss of Trade or Access: Compensation for income lost if a threat causes forced closure or mass evacuation.
Tenant and Occupier Confidence: Assurance to occupants, employees, and stakeholders.
Regulatory Compliance: Required for some lenders, investors, and leaseholders.
Public Liability Claims: Protection if others are harmed during an incident on or near your property.
Case Studies: How Terrorism Risk Insurance Helped Real Businesses
CBD Office Block Suffers Terrorist Incident Nearby
An adjacent government building in a state capital was targeted in a politically motivated arson attack. The insured’s building was not hit directly, but was closed and cordoned off for 2 weeks. Angelic Insurance: Paid $140,000 in business interruption and rent loss Covered cleaning and security upgrade costs Supported tenant communications and policy compliance 📝 Result: No income loss for landlord or tenants.
Large Event Cancelled After Bomb Threat
A major indoor concert was cancelled due to a credible bomb threat and police lockdown. Angelic Insurance: Paid $300,000 in non-refundable expenses Covered ticket refunds and vendor penalties Supported PR and crisis communication for promoter 📝 Result: Event organiser suffered no financial loss or brand damage.
Frequently Asked Questions
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