The Coalition to Insure Against Terrorism 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 September 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 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 win 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.

TRIA ensures US businesses can obtain the terrorism risk insurance coverage necessary to protect against the devastating consequences of a catastrophic terrorist attack.

In the wake of 9/11, more than 300,000 US jobs were lost due to the lack of terrorism risk insurance in the marketplace. TRIA ensures the long-term stability of commercial property financing, construction and other job-creating industries.

TRIA has cost US taxpayers virtually nothing. Insurers and policy holders are required to bear first dollar losses and meet deductibles before the federal government steps in.

Congress has reauthorized TRIA four times with overwhelming, bipartisan support, most recently in December 2019.

CIAT Members


Aerospace Industries Association
American Association of Port Authorities
American Bankers Association
American Council on Education
American Council of Engineering Companies
American Gaming Association
American Hotel and Lodging Association
American Land Title Association
American Public Gas Association
American Public Power Association
American Resort Development Association
American Society of Association Executives
Associated General Contractors of America
Association of American Railroads
Association of Art Museum Directors
Bank Policy Institute
Building Owners and Managers Association International
Boston Properties
Citigroup Inc.
Community Associations Institute
CRE Finance Council
CSX Corporation
Edison Electric Institute
Food Marketing Institute
Hilton Worldwide
Host Hotels & Resorts, Inc.
Institute of Real Estate Management
InterContinental Hotel Group
Innovating Commerce Serving Communities
International Franchise Association
International Safety Equipment Association
International Speedway Corporation
Long Island Import Export Association
Marriott International
Mortgage Bankers Association
National Apartment Association
National Association of Chain Drug Stores
National Association of College and University Business Officers (NACUBO)
National Association of Home Builders
National Association of REALTORS
The National Association for Stock Car Auto Racing (NASCAR)
National Association of Waterfront Employers
National Council of Chain Restaurants
National Electrical Contractors Association
National Football League
National Hockey League
National Multifamily Housing Council
National Restaurant Association
National Retail Federation
National Roofing Contractors Association
National Rural Electric Cooperative Association
New England Council
Partnership for NYC
Public Utilities Risk Management Association
Office of the Commissioner of Baseball
The Real Estate Board of New York
The Real Estate Roundtable
Taxicab, Limousine & Paratransit Association
United Airlines
Union Pacific
University Risk Management and Insurance Association
U.S. Chamber of Commerce
U.S. Travel Association