Terrorism Cover - Do You Need It?
September 15, 2025
Terrorism Cover - Do you need it?
With Martyn's Law expected to be implemented soon, terrorism insurance is becoming increasingly relevant for UK property owners and businesses.
What does terrorism insurance cover?
- Physical damage to buildings from terrorist acts
- Business interruption losses following incidents
- Alternative accommodation costs for displaced residents
- Liability for injuries from terrorism at your property
Martyn's Law creates new requirements:
Standard tier (100-799 capacity): Basic risk assessment and staff training
Enhanced tier (800+ capacity): Comprehensive security planning
Who should consider terrorism cover?
- Property owners in high-risk urban areas
- Buildings near potential targets (government buildings, iconic locations)
- Properties with commercial elements or multiple occupants
- Any business required to comply with Martyn's Law
Key point: Standard property insurance typically excludes terrorism damage, making separate coverage essential for comprehensive protection.
Even in lower-risk areas, the relatively modest cost compared to potential catastrophic losses makes terrorism insurance worth considering.
Need to assess whether terrorism cover is right for your circumstances? Let's discuss your specific situation.
