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[null,"1.","Record Nr.",null,"UNINA9910966501803321"]
[null,null,"Titolo",null,"Terrorism insurance / / Miguel H. Palacios, editor"]
[null,null,"Pubbl/distr/stampa",null,"New York, : Nova Science Publishers, Inc., c2009"]
[null,null,"ISBN",null,"1-61728-591-9"]
[null,null,"Edizione",null,"[1st ed.]"]
[null,null,"Descrizione fisica",null,"1 online resource (147 p.)"]
[null,null,"Collana",null,"Terrorism, hot spots and conflict-related issues series"]
[null,null,"Disciplina",null,"368.4/8"]
[null,null,"Soggetti",null,"Terrorism insurance - United States"]
[{"$nulls":4},"Risk (Insurance) - United States"]
[null,null,"Lingua di pubblicazione",null,"Inglese"]
[null,null,"Formato",null,"Materiale a stampa"]
[null,null,null,"Livello bibliografico","Monografia"]
[null,null,null,"Note generali","Description based upon print version of record."]
[null,null,null,"Nota di bibliografia","Includes bibliographical references and index."]
[null,null,"Nota di contenuto",null,"Intro -- TERRORISM INSURANCE -- TERRORISM INSURANCE -- CONTENTS -- PREFACE -- Chapter 1   TERRORISM RISK INSURANCE LEGISLATION IN 2007: ISSUE SUMMARY AND SIDE-BY-SIDE -- SUMMARY -- INTRODUCTION -- LEGISLATIVE ACTION -- Terrorism Risk Insurance Revision and Extension Act of 2007 (TRIREA, H.R. 2761) -- Terrorism Risk Insurance Program Reauthorization Act of 2007 (TRIPRA, S. 2285) -- Terrorism Risk Insurance Program Reauthorization Act of 2007 (H.R. 4299) -- Final Passage and Enactment of TRIA-Extension Legislation -- END NOTES -- Chapter 2   TERRORISM RISK INSURANCE: ISSUE ANALYSIS AND LEGISLATION -- SUMMARY -- BACKGROUND -- Insurability of Terrorism Risk -- International Experience with Terrorism Risk Insurance -- Previous U.S. Experience with \"Uninsurable\" Risks -- The Terrorism Insurance Market and the Economy: Post-9/11 and Pre-TRIA -- INITIAL CONGRESSIONAL ACTION -- TRIA's Original Goals and Substance -- POST-TRIA ACTIVITY -- Executive Branch -- Terrorism Insurance Market after TRIA -- Congressional Action in the 108th and 109th Congresses -- CURRENT CONGRESSIONAL ACTION -- Terrorism Risk Insurance Revision and Extension Act of 2007 (TRIREA) -- Terrorism Risk Insurance Program Reauthorization Act of 2007 (TRIPRA) -- END NOTES -- Chapter 3   TERRORISM INSURANCE: STATUS OF COVERAGE AVAILABILITY FOR ATTACKS INVOLVING NUCLEAR, BIOLOGICAL, CHEMICAL, OR RADIOLOGICAL WEAPONS -- WHY GAO DID THIS STUDY -- WHAT GAO FOUND -- RESULTS IN BRIEF -- BACKGROUND -- Variation in Potential Weapons involving NBCR Materials and Examples of Prior Attacks -- Overview of State Regulation of Insurance and Workers' Compensation "]
[{"$nulls":4},"Insurance Providers -- MOST COMMERCIAL PROPERTY/CASUALTY INSURERS AND REINSURERS WE CONTACTED EXCLUDE OR LIMIT COVERAGE FOR NBCR RISKS, WHILE WORKERS' COMPENSATION, LIFE, AND HEALTH INSURERS GENERALLY ARE REQUIRED TO OFFER SUCH COVERAGE."]
[{"$nulls":4},"NBCR Coverage Generally is Unavailable in Commercial Property/Casualty Insurance and Reinsurance Policies, but the Exclusions Used to Limit Coverage could be Challenged in Court -- Property/Casualty Policyholders Report That NBCR Coverage Generally is Unavailable or Available at Prices They View as Unaffordable -- Workers' Compensation, Life, and Health Insurers Generally Cover NBCR Risks Due to State Requirements -- POTENTIAL FINANCIAL CONSEQUENCES OF NBCR ATTACKS LIMIT PROPERTY/CASUALTY INSURERS' WILLINGNESS TO OFFER COVERAGE -- INSURERS FOR OTHER LINES OF INSURANCE REPORT LIMITED CAPACITY TO MANAGE ASSOCIATED RISKS -- Commercial Property/Casualty Insurers and Reinsurers Are Concerned about the Uncertainty and Potential Enormity of Losses from NBCR Attacks -- Private Workers' Compensation Insurers Have Somewhat Greater Flexibility to Manage NBCR Risks by Choosing Which Employers to Offer Coverage, but Private Insurers and State Funds Face Other Risk Management Challenges -- Group Life and Health Insurers May Face Challenges in Managing NBCR Risks -- PROPOSALS TO INCREASE COVERAGE FOR NBCR ATTACKS IN THE PROPERTY/CASUALTY MARKET HAVE ADVANTAGES AND DISADVANTAGES -- Proposal 1: Amend TRIA to Require Insurers to Make NBCR Coverage Available with the Federal Government Assuming Greater Financial Responsibility for Potential Losses -- Proposal 2: Federal Government Completely Insures Losses for Terrorist Attacks involving NBCR Materials, with Insurers Administering the Program -- AGENCY COMMENTS AND OUR EVALUATION -- APPENDIX I:  OBJECTIVES, SCOPE, AND METHODOLOGY -- APPENDIX II: COMMENTS FROM THE NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS -- APPENDIX II. (Continued) -- APPENDIX II. (Continued) -- APPENDIX II. (Continued) -- RELATED GAO PRODUCTS -- GAO'S MISSION -- END NOTES."]
[{"$nulls":4},"Chapter 4   TERRORISM INSURANCE: STATUS OF EFFORTS BY POLICYHOLDERS TO OBTAIN COVERAGE -- WHY GAO DID THIS STUDY -- WHAT GAO FOUND -- RESULTS IN BRIEF -- BACKGROUND -- TERRORISM INSURANCE GENERALLY IS AVAILABLE NATIONWIDE, ALTHOUGH SOME POLICYHOLDERS HAD TO TAKE ADDITIONAL STEPS TO OBTAIN COVERAGE -- Terrorism Insurance Generally is Available Nationwide at Rates Viewed as Affordable Largely Due to the TRIA Program and the Soft Insurance Market -- Some Policyholders in Major Cities Have Faced Initial Challenges in Obtaining Desired Terrorism Coverage at Rates Viewed as Favorable -- To Obtain Full Terrorism Coverage, Policyholders May Add Additional Carriers to Existing Insurance Programs, Purchase Terrorism-only Policies, or Self-Insure -- INSURER AND REINSURER EFFORTS TO MITIGATE THEIR RISKS APPEARED TO BE WHY CERTAIN POLICYHOLDERS FACED INITIAL CHALLENGES IN OBTAINING TERRORISM INSURANCE COVERAGE -- Insurers' Concerns about Amounts of Future Terrorism Losses Influence Their Willingness to Provide Coverage, Affecting Availability and Price in Certain Cities -- Availability of Reinsurance Also Can Affect Insurers' Willingness to Provide Terrorism Coverage -- Views of Rating Agencies Also May Influence the Availability of Terrorism Insurance for Some Policyholders in Areas Viewed as at High Risk of Attack -- VARIOUS PROPOSALS TO INCREASE THE AVAILABILITY AND AFFORDABILITY OF TERRORISM INSURANCE COVERAGE HAVE BOTH ADVANTAGES AND "]
[{"$nulls":4},"DISADVANTAGES -- Option 1: Lowering Insurers' TRIA Deductibles following Large Terrorist Attacks -- Option 2: Permitting Insurers to Establish Tax-Deductible Reserves for Future Terrorism Losses -- Option 3: Forming a Group of Insurance Companies to Pool Assets for Terrorism Risks -- Option 4: Facilitating the Issuance of Onshore Catastrophe Bonds through Revisions to the Federal Tax Code."]
[{"$nulls":4},"Option 5: Revising Certain State Regulations and Insurance Coverage Requirements -- AGENCY COMMENTS -- APPENDIX I: OBJECTIVES, SCOPE, AND METHODOLOGY -- GAO'S MISSION -- END NOTES -- Chapter 5   TERRORISM INSURANCE: MEASURING AND PREDICTING LOSSES FROM UNCONVENTIONAL WEAPONS IS DIFFICULT, BUT SOME INDUSTRY EXPOSURE EXISTS -- WHY GAO DID THIS STUDY -- WHAT GAO FOUND -- RESULTS IN BRIEF -- BACKGROUND -- State Regulation of Insurance Companies -- NBCR Weapons Represent Many Methods of Attack -- The Terrorism Risk Insurance Act Program -- APPLYING COMMON PRINCIPLES FOR ASSESSING INSURABILITY PRESENTS CHALLENGES IN MEASURING AND PREDICTING NBCR RISKS -- INSURERS' EXPOSURE TO NBCR RISKS VARIES WIDELY BY LINE OF INSURANCE, AND INSURERS OFFERING COVERAGE FACE  CHALLENGES IN PRICING -- Relatively Little NBCR Coverage Available in Property/Casualty Market Because Most Insurers Remain Unwilling to Cover Risks -- Although Property/Casualty Insurers Remove Coverage for NBCR Events through Exclusions, They Could Be Challenged -- Demand for NBCR Coverage in Property/Casualty Market Is Difficult to Determine -- Insurers in Workers' Compensation, Life, and Health Generally Cover NBCR Risks, but Prices May Not Take Account of Potential Losses -- Workers' Compensation Insurance Generally Covers All Perils, Including NBCR Risks, but Pricing Challenges Exist -- According to Life Insurers, They Generally Cannot Exclude Terrorism Coverage Including NBCR Risks -- According to Health Insurers, They Face Unique Challenges in Determining Exposure to NBCR Risks -- APPENDIX I: OBJECTIVES, SCOPE, AND METHODOLOGY -- Principles of Insurability and Assessing Whether NBCR Risks Are Measurable and Predictable -- Assessing Exposure to NBCR Risks -- RELATED GAO PRODUCTS -- GAO'S MISSION -- END NOTES -- CHAPTER SOURCES -- INDEX -- Blank Page."]
[null,null,null,"Sommario/riassunto","This book looks at the issues involved with terrorism insurance and includes a side-by-side comparison of the previous law, the two House TRIA-extension bills, and the Senate bill that was ultimately signed by the President. Prior to the September 11, 2001 terrorist attacks, insurance covering terrorism losses was normally included in general insurance policies without additional cost to the policyholders. Following the attacks, both primary insurers and reinsurers pulled back from offering terrorism coverage. Congress responded to the disruption in the insurance market by passing the Terrorism Risk Insurance Act (TRIA) of 2002. TRIA created a temporary program to calm the insurance markets through a government backstop for terrorism losses. In addition to the continuing debate about TRIA, this book also discusses commonly accepted principles of insurability and whether nuclear, biological, chemical, or radiological (NBCR) risks are measurable and predictable and whether private insurers currently are exposed to NBCR risks and the challenges they face in pricing"]