Comprehensive Terrorism Insurance Solutions from NAPCO LLC
NAPCO LLC is a specialist Excess & Surplus Lines broker that gives independent agents and brokers access to a broad market of property placements — including difficult-to-place exposures such as terrorism, natural catastrophe, and complex construction or occupancy types.
The need for dedicated terrorism coverage became clear after September 11. While the Terrorism Risk Insurance Act (TRIA) provides a federal backstop in certain situations, its periodic renewals and scope limits have led many insurers to offer standalone terrorism policies. NAPCO’s Terrorism Insurance program connects you with domestic and international carriers that write standalone terrorism coverage so your clients are not solely dependent on TRIA.
Because these are standalone products, you can secure broader and more stable terms that are not tied to federal program changes — helpful when your client needs predictable protection for highly visible assets.
Ideal Accounts and Appetite
This program is focused on commercial property exposures with elevated terrorism risk, especially assets in major urban centers or that serve as prominent public destinations. Typical fits include:
- Commercial real estate portfolios with downtown or flagship properties
- Hotels, convention centers, and large hospitality venues
- Retail centers and high-traffic shopping destinations
- Corporate headquarters, landmark buildings, and critical infrastructure
Examples agents commonly place: a downtown high-rise office building with multiple tenants near a transportation hub, or a mixed-use development that includes retail, lodging, and office space in a major metro area.
Coverage Highlights and Advantages
- Access to carriers offering standalone terrorism policies — both admitted and surplus markets
- Policies that are independent of TRIA, providing continuity if federal programs change
- Flexible limits, wording options, and competitive capacity tailored to the exposure
- Placement on admitted or non-admitted paper as appropriate for the risk and jurisdiction
NAPCO’s wholesale relationships allow you to compare options across a variety of markets and secure customized solutions for property owners, developers, and asset managers seeking terrorism protection.
Underwriting Notes and Minimum Premiums
The program generally requires a minimum premium of $25,000. Underwriters evaluate location, building use, occupancy, proximity to high-profile targets, security protections, and loss history. Strong submissions include detailed property schedules, current insurance structure, occupancy descriptions, and any relevant TRIA participation information.
Territories and Availability
This program is available nationwide, including all 50 states and the District of Columbia. NAPCO can place business for clients in New York, California, Texas, Florida, and other states using admitted or surplus solutions as appropriate.
Why Work With NAPCO LLC?
NAPCO is an established wholesale broker with deep experience placing difficult property risks, including those with terrorism exposure. As an independent marketing arm, NAPCO offers broad access to standard and surplus lines carriers — domestic and international — and works with agents to secure competitive quotes and tailored policy terms. Their team supports placement from submission through binding and policy delivery.
Let NAPCO help you provide your clients with terrorism coverage that is flexible, reliable, and not dependent on federal backstops.
Frequently Asked Questions
What types of accounts are a good fit for this terrorism insurance program?
Ideal accounts include commercial properties in major cities, high-profile buildings, hospitality venues, retail centers, and infrastructure assets that may face elevated terrorism risk.
Is TRIA required to obtain coverage through this program?
No. Policies offered through NAPCO’s program are standalone terrorism policies and do not depend on TRIA. That provides broader coverage stability even if federal programs change.
What is the minimum premium for coverage?
The program’s typical minimum premium is $25,000. Final pricing depends on the specific characteristics and loss history of each risk.
In which states is this program available?
This program is available nationwide — all 50 states and the District of Columbia — on admitted or non-admitted paper as appropriate.
What information do I need to submit an account for consideration?
Provide detailed property information, occupancy details, current insurance placement, protective measures, and loss history. Include TRIA participation details if applicable.
Need help placing an account? Connect with a market specialist.