Stability at risk: The looming 2027 TRIA expiration

2026-05-08T09:50:00

As the TRIA sunset approaches, risk leaders face capacity crunches and market withdrawal. Reauthorisation is vital to maintain stable coverage and prevent recovery costs from shifting back to corporate balance sheets.

As the Terrorism Risk Insurance Act (TRIA) approaches its scheduled expiration in 2027, risk management professionals across the US are calling for Congress to reauthorise the program.

TRIA was originally enacted following the September 11 attacks. In the aftermath of those attacks, insurers significantly reduced or eliminated terrorism coverage due to the unpredictability and the potentially massive scale of such events. Congress responded by establishing TRIA to stabilise the market and encourage insurers to continue to offer the coverage.

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