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Who We Are

The Coalition to Insure Against Terrorism (CIAT) represents a wide range of businesses and organizations throughout the transportation, real estate, manufacturing, construction, entertainment and retail sectors united in their support for the Terrorism Risk Insurance Act (TRIA).



TRIA was enacted following the attacks of Sept. 11, 2001 as a federal plan for economic continuity and recovery after a severe terrorist attack on the United States. The program ensures that there is a market in place for businesses to secure the insurance they need to protect against losses from a terrorist attack. It also provides a mechanism for the orderly payout of claims in the event of a terrorist attack, thereby minimizing the impact on businesses and the economy overall. Finally, TRIA protects the taxpayers because the program mandates that "first dollar losses" be paid by the insurers and business policyholders. In the absence of TRIA, taxpayers could be potentially exposed to significant payouts. 


The Coalition to Insure Against Terrorism banded together to speak for business insurance policyholders and supported passage of TRIA in 2002, a 2-year extension in 2005, a 7-year extension in 2007, a 5-year extension in 2015, and a 7-year extension in 2019.

CIAT Members

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