Despite clear consensus in Congress that the Terrorism Risk Insurance Act (TRIA) must be reauthorized, the issue somehow remains in limbo. This has already hurt the economy: the TRIA Program works solely on the basis of private insurers’ willingness to write such insurance, and questions about the program’s future are destabilizing. A one year (or shorter) stop-gap extension of TRIA actually exacerbates the problem. Insurers and their business customers need greater certainty to function properly, especially where long-term financing is involved. Kicking the can down the road to next year will, experts agree, sacrifice economic growth.