Currently, there is no terror pool or government involvement in terror coverage. Terrorism is usually not included for personal or commercial lines. Policies can be restrictive for large risks according to their exposure to terrorism. For casualty and workers compensation lines, terrorism is generally excluded. Reinsurance policies have an absolute exclusion for large industrial risks and restrictions for smaller industrial and commercial lines through total insured value (TIV) limits or Aggregate Annual Limit (AAL).

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