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Few risks are as complex and unpredictable as terrorism and political violence. Rapidly evolving threat landscapes, geopolitical volatility, and the potentially devastating consequences of inadequate cover demand a broker with deep specialist expertise and real market insight.
While terrorism and political violence risks themselves cannot be eliminated, many of their commercial consequences can be transferred. These events can result in property damage, loss of income, bodily injury or loss of life, reputational harm, loss of attraction, and the loss of key personnel—often with long-lasting financial and operational impacts.
Importantly, terrorism and political violence are frequently excluded from standard insurance policies. A dedicated terrorism and political violence policy is therefore essential to close critical gaps in your insurance programme and ensure your business remains protected when it matters most.
Our specialist team has developed tailored terrorism and political violence insurance facilities designed to deliver cost-effective programmes while offering the broadest possible scope of cover. We are recognised as a leading specialist in designing and delivering bespoke solutions that respond to the specific risk profile of each client.
Coverage can include:
Terrorism and Political Violence perils (including War), with Business Interruption extensions
Extensions such as Looting, Denial of Access, Loss of Attraction, and Transit cover
Construction and engineering projects, covering the full construction or erection period
Third-party terrorism liability
Energy-specific liability and control of well extra expenses arising from terrorism or political violence
Nuclear, Chemical, Biological, and Radioactive (NCBR) terrorism cover
Cyber extension for “property damage – fire following”
Event cancellation cover
Active Assailant cover
Threat cover
In some cases, a terrorist incident may result in business interruption without any physical property damage—for example, where people are targeted but buildings remain intact. Investigations, cordons, or loss of confidence can still lead to significant revenue loss for weeks or months. It is therefore critical to ensure your policy includes non-damage terrorism cover where appropriate.
There is no one-size-fits-all approach to terrorism and political violence insurance. At Fairmead, we understand the diverse needs of organisations ranging from multinational corporations to small businesses operating in dense urban environments, across a wide range of sectors.
Our long-standing expertise and deep understanding of the terrorism insurance market enable us to assess your exposures accurately and design comprehensive, fit-for-purpose cover. We work closely with leading global insurers to meet the varying risk and capacity requirements of our clients.
In the event of a claim, our in-house claims specialists provide responsive, hands-on support, backed by expert advice throughout the process. From placement to claims resolution, we are committed to ensuring your terrorism and political violence cover delivers certainty, resilience, and peace of mind.
Fairmead is a leading specialist in providing bespoke insurance, risk management, and financial solutions to businesses across diverse industries. With a strong focus on delivering innovative, tailored services, Fairmead combines deep sector expertise with global market access to protect clients against complex risks and support long-term business growth..
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