Latest action: Motion to reconsider laid on the table Agreed to without objection.
Bill is filed in its originating chamber and assigned a number.
Sponsor
Mike Flood (R-NE)
Filed in the House.
Next: In Committee
Members of the committee(s) the bill was referred to
Reauthorizes the TRIA insurance program that helps cover losses from terrorism.
The problem
The Terrorism Risk Insurance Act (TRIA) expires periodically and needs renewal. Without it, insurers may not cover terrorism-related losses, leaving businesses and properties unprotected.
The proposal
The bill extends the TRIA program, which requires insurers to offer terrorism coverage. It sets rules for how claims are paid when terrorism causes significant damage.
The impact
Businesses, property owners, and insurers are affected. The program helps ensure insurance remains available after terrorism events, protecting economic stability.
TRIA ensures insurers must offer terrorism coverage. Without it, many businesses couldn't get insurance for terrorism risks, making it hard to get loans or operate.
When terrorism causes damage, the program limits insurer losses so they don't go bankrupt. This keeps the financial system stable after attacks.
When businesses can get terrorism insurance, they're more likely to stay open and keep employees. Communities recover faster after attacks.
The program splits losses between insurers, the government, and policyholders. This is fairer than making one group pay all costs.
Taxpayers could pay if terrorism losses are huge. This means federal spending could spike unpredictably after a major attack.
Insurance premiums may be higher because of terrorism coverage requirements. This makes insurance more expensive for businesses and property owners.
Small businesses might still find terrorism insurance too expensive even with TRIA. They may remain unprotected compared to large companies.
The program only covers losses after terrorism happens. It doesn't reduce the actual risk of terrorist attacks occurring.
Generated by AI from the bill text. Not a prediction and not legal or policy advice. The percentage is the model's own rating of each item — self-reported, and not a measure of how accurate it is.
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Individual contributions, grouped by employer · FEC
Where their individual donors work · 2026 cycle
Money from people who work there, not from the company. Not tied to this bill.
Itemized individual contributions via FEC, grouped by the employer each contributor self-reported. Companies and unions cannot contribute to federal candidates from their treasuries, so these totals are money from people who work at an employer — never from the organization itself. They are campaign contributions covering a full election cycle and are not connected to this bill.
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