There is no terror pool or government involvement in terror coverage. “Sabotage and Terrorism” (S&T) are excluded on all policies. Reinsurance for property lines exclude S&T, except for large industrial risks where special arrangements have been made. S&T has been issued as an endorsement (if applicable), rather than as a standalone policy.In 1983, the government established a government-sponsored Sabotage, Riot, Civil Commotion (SRCC)/Terrorism Fund to cover strikes, riots, civil commotion and terrorism, after extensive rioting caused overseas reinsurers to withdraw protection for SRCC perils. In 1989, the fund was extended to include terrorism risk. 

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