---
title: "Check a commercial property policy against the Terrorism Risk Insurance Program"
url: "https://ailawframework.com/practice/insurance-law/check-a-commercial-property-policy-against-the-terrorism-reinsurance-sch/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-MA20261022-11-US"
practice_area: "Insurance Law"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Check a commercial property policy against the Terrorism Risk Insurance Program

> From the policy, record whether it is commercial property or another line, whether terrorism is excluded or limited, and any certified-act wording. Do not decide that the federal program pays the loss.

Canonical page: https://ailawframework.com/practice/insurance-law/check-a-commercial-property-policy-against-the-terrorism-reinsurance-sch/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Insurance Law](https://ailawframework.com/practice/insurance-law.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | From the policy, record whether it is commercial property or another line, whether terrorism is excluded or limited, and any certified-act wording. Do not decide that the federal program pays the loss. |
| What the lawyer must review | The Treasury Terrorism Risk Insurance Program page says the Terrorism Risk Insurance Act created a temporary federal program of shared public and private compensation for certain insured losses resulting from a certified act of terrorism, administered by the Secretary of the Treasury with the assistance of the Federal Insurance Office. The 2019 Reauthorization Act, Pub. L. 116-94, 133 Stat. 2534, extended the program through 31 December 2027. 15 U.S.C. § 1012(b) allows a federal Act to supersede state insurance law when the Act specifically relates to the business of insurance. You decide whether this policy and this loss are in the program. The opened page states no insurer deductible and no federal share percentage. |
| Written for | United States |
| Applies to | [Check a commercial property policy against the terrorism reinsurance scheme](https://ailawframework.com/practice/insurance-law/check-a-commercial-property-policy-against-the-terrorism-reinsurance-sch.md) |

## Checking plan

- What the AI does: From the policy, record whether it is commercial property or another line, whether terrorism is excluded or limited, and any certified-act wording. Do not decide that the federal program pays the loss.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- The page records earlier end dates that were extended. Use the 31 December 2027 date from the 2019 reauthorization, and confirm it has not moved.
- There is no cyclone-pool equivalent in the opened material. Do not treat this program as covering weather.

## Sources

- [U.S. Treasury, Terrorism Risk Insurance Program](https://home.treasury.gov/policy-issues/financial-markets-financial-institutions-and-fiscal-service/federal-insurance-office/terrorism-risk-insurance-program) (checked 2026-10-22)
- [15 U.S.C. § 1012, regulation of the business of insurance by State law (McCarran-Ferguson Act)](https://www.law.cornell.edu/uscode/text/15/1012) (checked 2026-10-22)

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*