War and terrorism

Protection for unpredictable environments

War and terrorism feel like ever-present concerns for businesses as the risk of terrorist attacks, hijackings, sabotage, war, and political instability continues to grow around the globe. In the U.S., businesses must also think about these risks as civil unrest becomes more prevalent.

If you are looking for a stable, dependable partner for protection against sabotage, strikes, riots, and more, we’re ready to help. Our war and terrorism solutions can help protect business property and provide business interruption coverage should an event disrupt operations.

Our war and terrorism coverage is available from Liberty Specialty Markets and Liberty Mutual.

A protective partnership

Solutions for complex risks

Any company, anywhere, and at any time can be affected by terrorism, strike, riot, or civil commotion.  And while some events may be covered under the Terrorism Risk Insurance Program Reauthorization Act, others may not. Our war and terrorism solutions offer critical protection and can cover:

  • Damage to tangible business assets, including buildings and contents
  • Lost income if operations shut down
  • Extra expenses to continue operating

Coverage highlights include:

  • Capacity up to $250M
  • Terrorism and sabotage
  • Strikes, riots, and civil commotion
  • Malicious damage
  • Insurrection, rebellion, revolution, mutiny, coup d’état
  • War and other political violence
  • Terrorism liability
  • Nuclear, chemical, biological, and radiological, including cleanup/removal of contaminant
  • Third-party liability for damage to property and/or bodily injury available

Offered stand-alone or with our property coverage, each policy is backed by the financial strength, stability, and capacity of a Fortune 100 company.

Expertise that delivers

It takes more than teamwork to provide top-tier coverage and service; it takes specialized expertise – something we’re proud to bring to every customer relationship.

Our dedicated underwriters understand the nuances of this niche product as well as related legislation like the Terrorism Risk Insurance Program Reauthorization Act (TRIPRA). They also work closely with our property underwriters to address any gaps or overlaps in coverage to provide customers with the right level of protection.

We offer war and terrorism coverage across an array of industries, including:

  • Construction
  • Energy
  • Healthcare
  • Habitational
  • Hospitality
  • Real estate
  • Retail
  • Manufacturing
  • Municipalities
  • Places of worship
  • Schools

Count on us for tailored coverage and support so your business can operate confidently — even in unpredictable environments.

Get in touch

Our commercial and specialty insurance products and services are distributed through brokers and agents. If you are interested in our solutions for your business, please contact your agent or broker. If you are an agent or broker, please reach out to our team for more information.

Photo of Shawn Homand

Shawn Homand

CUO, Property, Ironshore
Photo of Lillian Hua

Lillian Hua

Underwriting Officer for Terrorism

New York

Ironshore: Wholesale Terrorism solutions

Ironshore, a Liberty Mutual Company, is dedicated to the wholesale market and offers specialty and excess and surplus (E&S) insurance-based solutions.


Related insights

This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.

Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.