Latest action: Placed on Senate Legislative Calendar under General Orders. Calendar No. 672.
Committee has approved the bill (usually with amendments) and sent it back to the full chamber.
The committee voted to send the bill to the floor of the full chamber. The Senate Majority Leader schedules a floor vote.
Next: Passed One Chamber
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Renews the federal program that helps insurers cover losses from terrorist attacks.
The problem
The Terrorism Risk Insurance Program expires and needs renewal. Without it, insurance companies may not cover terrorist attack damages, leaving businesses and property owners vulnerable.
The proposal
Reauthorizes the federal program that requires insurers to cover terrorism-related losses with government backing, extending protections for businesses and property owners against terrorist attacks.
The impact
Businesses, property owners, and insurance companies benefit from continued terrorism coverage. The federal government may face financial risk if major attacks occur. Taxpayers could bear some costs.
Companies can get insurance against terrorist attacks, reducing financial uncertainty. This helps businesses stay stable and continue operating after an attack, protecting worker jobs and economic growth.
Without the program, insurers might stop offering terrorism coverage entirely. The program keeps the insurance market working smoothly so businesses can buy the protection they need.
Owners of buildings and large projects are more willing to invest when terrorism risk is covered. This supports construction projects and real estate development.
The government and private insurers share the financial burden of terrorist attacks. This prevents any single group from bearing all the risk alone.
If major terrorist attacks happen, taxpayers must help pay for damages through the federal government. This creates potential long-term financial obligations for ordinary Americans.
Terrorism coverage adds to insurance premiums that businesses and property owners must pay. Higher costs may discourage some investment and reduce affordability.
With government backing, insurance companies might take more risks than they would otherwise. This could lead to poor decision-making without normal market consequences.
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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