Coverage intent
A certified acts of terrorism cap limits insurer liability for certified terrorism losses, often through TRIA-related policy language.
Coverage impact
Terrorism caps affect property, liability, and package products where federal backstop language, disclosures, exclusions, and limits must align.
Where this language appears
Matching form records, product lines, state activity, and recent examples for this coverage language.
Matching form records
Recent records
Product submissions
Companies
Sample form language
A representative form excerpt for this topic, with the form number and edition date shown the way insurance teams usually identify versions.
Selected form
Cap on Losses from Certified Acts of Terrorism
Form #: 1G1523FR 07 23
First National Insurance Company of America
Commercial General Liability
KS | Jun 23, 2026
This liability endorsement applies the federal certified-terrorism loss cap.
Certified terrorism loss cap
SECTION III - LIMITS OF INSURANCE If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to a pro rata allocation in accordance with procedures established by the Secretary of the Treasury.
Selected excerpt from this form.
Notable language points
- 01Caps insurer liability after the statutory aggregate threshold.
- 02Uses pro rata allocation once aggregate certified-terrorism losses exceed the cap.