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Terrorism Insurance

The impact of a terrorist incident can extend far beyond the immediate physical damage. Businesses may face significant property losses, disruption to operations, loss of income and substantial costs as they work to recover.

Terrorism Insurance provides specialist protection against risks that may not be covered under a standard commercial property insurance policy. Cover can be arranged as a standalone policy or, where appropriate, as an extension to your existing insurance programme.

Our experienced team can assess your individual exposures and access specialist insurance markets to arrange competitive, tailored protection for your property and business. Whether you own a single commercial property, manage a substantial portfolio or operate a business with a particular terrorism exposure, we can help ensure you have appropriate cover in place.

What can Terrorism Insurance cover?

Depending on the policy, cover may include:

  • Property damage
  • Business interruption
  • Loss of rent
  • Increased costs of working

Cover, limits, exclusions and conditions will vary by policy.

Who should consider Terrorism Insurance?

Terrorism cover may be relevant to:

  • Commercial property owners and landlords
  • Property investors and developers
  • Offices, retail premises and mixed-use developments
  • Hotels and hospitality businesses
  • Industrial, manufacturing and distribution sites
  • Businesses with valuable premises or assets
  • Organisations with an identified exposure to terrorism-related risks

Cover may also be required by lenders, investors or tenants.

Talk to us about Terrorism Insurance

We can review your existing arrangements, identify potential gaps and help determine whether specialist Terrorism Insurance is appropriate.

Protect your property

Specialist terrorism cover can provide additional protection for commercial buildings and assets against insured terrorism-related damage.

Protect your income

Business interruption and loss of rent cover can help protect income following an insured event, subject to the policy terms.

Strengthen your risk management

Review your existing insurance arrangements and identify potential gaps in terrorism protection before an unexpected event occurs.

Let’s work together

Contact us for a consultation with one of our insurance specialists and experience for yourself how we can help you protect your personal assets or your business.

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Latest News

Seventeen Group strengthens commitment to Gibraltar with acquisition of Sovereign Insurance Services

Seventeen Group strengthens commitment to Gibraltar with acquisition of Sovereign Insurance Services

Oct 14, 2026

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Company information

James Hallam (Gibraltar) Limited. All rights reserved. Registered in Gibraltar No. 98610. Registered Office – 117 Main Street, Gibraltar. GX11 1AA. James Hallam and James Hallam Insurance Brokers are trading names of James Hallam (Gibraltar) Limited. James Hallam (Gibraltar) Limited is authorised and regulated by the Gibraltar Financial Services Commission FRN 7333.

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