Treasury asks whether terrorism risk insurance program should bolster cyber coverage | CyberScoop<\/title> <link rel=\"canonical\" href=\"https:\/\/cyberscoop.com\/treasury-asks-whether-terrorism-risk-insurance-program-should-bolster-cyber-coverage\/\"> <meta property=\"og:locale\" content=\"en_US\"> <meta property=\"og:type\" content=\"article\"> <meta property=\"og:title\" content=\"Treasury asks whether terrorism risk insurance program should bolster cyber coverage\"> <meta property=\"og:description\" content=\"A Federal Register notice seeks public comment on how cyber is covered within a 2002 law and program.\"> <meta property=\"og:url\" content=\"https:\/\/cyberscoop.com\/treasury-asks-whether-terrorism-risk-insurance-program-should-bolster-cyber-coverage\/\"> <meta property=\"og:site_name\" content=\"CyberScoop\"> <meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/cyberscoop\/\"> <meta property=\"article:published_time\" 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role=\"main\" tabindex=\"-1\"> <\/p>\n<div class=\"ad ad--top ad--top-mobile\">\n<div class=\"ad__inner\"> <span class=\"screen-reader-text\">Advertisement<\/span> <\/div>\n<\/div>\n<section id=\"stickybar\" class=\"stickybar stickybar--newsletter js-stickybar\" readability=\"0.82\"> <button class=\"stickybar__close js-stickybar-close\" aria-controls=\"stickybar\"> <svg class=\"icon icon--close\" width=\"21\" height=\"22\" viewBox=\"0 0 21 22\" fill=\"none\"><path d=\"m.822.518-.805.805L9.695 11 .017 20.678l.805.805 9.678-9.678 9.677 9.678.806-.805L11.305 11l9.678-9.677-.806-.805-9.677 9.677L.822.518Z\" fill=\"currentColor\" \/><\/svg> <span class=\"visually-hidden\">Close<\/span> <\/button> <\/section>\n<article class=\"single-article content\">\n<div class=\"single-article__container js-single-article-content\">\n<header class=\"single-article__header \" readability=\"25.474541751527\">\n<div class=\"single-article__header-content\" readability=\"34.195250659631\">\n<p> A Federal Register notice seeks public comment on how cyber is covered within a 2002 law and program. <\/p>\n<p>  <br \/>\n<audio id=\"audio-player\" src=\"https:\/\/wp-tts-cdn.api.scpnewsgrp.com\/cyberscoop\/88376\/english.openai.mp3\"><\/audio> <\/p>\n<div readability=\"11\">\n<div>\n<p>Listen to this article<\/p>\n<p>  <\/p>\n<p>0:00<\/p>\n<\/p><\/div>\n<p>  <\/p>\n<p> <span id=\"tts-tooltip\">Learn more.<\/span> <span> This feature uses an automated voice, which may result in occasional errors in pronunciation, tone, or sentiment. <\/span> <\/p>\n<\/div>\n<p>  <\/div>\n<div class=\"single-article__cover-wrap\">\n<figure class=\"single-article__cover\"> <img data-recalc-dims=\"1\" fetchpriority=\"high\" width=\"640\" height=\"427\" src=\"https:\/\/i0.wp.com\/ddi.mohflo.net\/wp-content\/uploads\/2026\/03\/treasury-asks-whether-terrorism-risk-insurance-program-should-bolster-cyber-coverage.jpg?resize=640%2C427&ssl=1\" class=\"single-article__cover-image wp-post-image\" alt decoding=\"async\" fetchpriority=\"high\" srcset=\"https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2026\/03\/treasury-asks-whether-terrorism-risk-insurance-program-should-bolster-cyber-coverage-2.jpg 1024w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2026\/03\/treasury-asks-whether-terrorism-risk-insurance-program-should-bolster-cyber-coverage-2.jpg?resize=300,200 300w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2026\/03\/treasury-asks-whether-terrorism-risk-insurance-program-should-bolster-cyber-coverage-2.jpg?resize=768,512 768w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2026\/03\/treasury-asks-whether-terrorism-risk-insurance-program-should-bolster-cyber-coverage-2.jpg?resize=600,400 600w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2026\/03\/treasury-asks-whether-terrorism-risk-insurance-program-should-bolster-cyber-coverage-2.jpg?resize=252,168 252w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2026\/03\/treasury-asks-whether-terrorism-risk-insurance-program-should-bolster-cyber-coverage-2.jpg?resize=505,337 505w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2026\/03\/treasury-asks-whether-terrorism-risk-insurance-program-should-bolster-cyber-coverage-2.jpg?resize=1012,675 1012w\" sizes=\"(max-width: 1012px) 100vw, 1012px\"><figcaption> The front of the U.S. Treasury building on Jan. 3, 2024 in Washington, D.C. (Photo by J.David Ake\/Getty Images) <\/figcaption><\/figure>\n<\/p><\/div>\n<\/header>\n<div class=\"single-article__content\">\n<div class=\"single-article__content-inner has-drop-cap\"> <html readability=\"29.250658472344\"><body readability=\"60.459173553719\"><\/p>\n<p>The Treasury Department is soliciting public feedback on whether it should change a terrorism risk insurance program to address cyber-related losses.<\/p>\n<p>In a <a href=\"https:\/\/public-inspection.federalregister.gov\/2026-05795.pdf\">Federal Register notice<\/a> set for publication Wednesday, Treasury seeks comment from the public for a mandatory report it must deliver to Congress this summer on the effectiveness of the terrorism risk insurance program (TRIP) created by the 2002 Terrorism Risk Insurance Act. That law arose from the Sept. 11 terror attacks and provided a federal backstop to make terrorism risk insurance more available and affordable.<\/p>\n<p>Some experts have suggested that the cyber insurance industry should also get a <a href=\"https:\/\/cyberscoop.com\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends\/\">federal backstop<\/a> as the industry struggles to develop fully. With the law set to expire at the end of 2027, tying it to the reauthorization of the terrorism risk insurance law could be one way to get Congress to create such a cyber backstop.<\/p>\n<p>Among the topics Treasury hopes commenters will address before it sends the report to Congress in June is the interaction between the terrorism risk insurance law and program, and cybersecurity. The agency will accept comments until May 8.<\/p>\n<div class=\"ad ad--inline_1 \">\n<div class=\"ad__inner\"> <span class=\"screen-reader-text\">Advertisement<\/span> <\/div>\n<\/div>\n<p>That includes: \u201cAny potential changes to TRIA or TRIP that would encourage the take up of insurance for cyber-related losses arising from acts of terrorism as defined under TRIA, including, but not limited to the potential modification of the lines of insurance covered by TRIP and revisions to any of the current sharing mechanisms for cyber-related losses, such as, for example, the individual insurer deductible or the federal share percentage.\u201d<\/p>\n<p>In 2021, Treasury issued a rule making it clear that TRIP could cover cyber losses when written in a TRIP-eligible line of insurance. However, a <a href=\"https:\/\/files.gao.gov\/reports\/GAO-25-108748\/index.html#TOC_7\">Government Accountability Office report<\/a> last year outlined some of the limitations there.<\/p>\n<p>\u201cBecause TRIA was designed specifically as a federal backstop for losses from acts of terrorism, only losses from cyberattacks certified by Treasury as acts of terrorism would have TRIA coverage,\u201d it states. \u201cAs a result, even large cyberattacks that result in catastrophic losses would not be covered under TRIA if they were not certified as acts of terrorism.\u201d<\/p>\n<p>Treasury said in its Federal Register notice that it wants feedback on cyber-related terrorism losses within TRIP and losses outside of it.<\/p>\n<p>Cyberattacks would need to meet definitions under the terrorism risk insurance law to be certified. They need to be violent or otherwise dangerous to life, property or infrastructure, and designed to influence the U.S. population or government. Damage to U.S. organizations outside the United States still might not qualify.<\/p>\n<div class=\"ad ad--inline_1 \">\n<div class=\"ad__inner\"> <span class=\"screen-reader-text\">Advertisement<\/span> <\/div>\n<\/div>\n<p>Medical device maker Stryker recently suffered a <a href=\"https:\/\/cyberscoop.com\/stryker-cyberattack-iranian-hackers-handala\/\">wiper attack<\/a>, with the pro-Palestinian, Iranian government-linked group Handala <a href=\"https:\/\/www.zetter-zeroday.com\/iranian-hacktivists-strike-medical-device-maker-stryker-in-severe-attack-that-wiped-systems\/\">taking credit<\/a>. It said the attack was in retaliation for U.S. and Israel military strikes against Iran, specifically a <a href=\"https:\/\/www.nytimes.com\/2026\/03\/11\/us\/politics\/iran-school-missile-strike.html\">U.S. missile strike<\/a> on a school that killed 175 people, according to Iran\u2019s government.<\/p>\n<p><\/body> <\/p>\n<footer class=\"single-article__footer\">\n<div class=\"author-card\" readability=\"7.7216117216117\">\n<div class=\"author-card__avatar\">\n<figure class=\"author-card__image-wrap\"> <img data-recalc-dims=\"1\" decoding=\"async\" class=\"author-card__image\" src=\"https:\/\/i0.wp.com\/ddi.mohflo.net\/wp-content\/uploads\/2026\/03\/treasury-asks-whether-terrorism-risk-insurance-program-should-bolster-cyber-coverage-1.jpg?w=640&ssl=1\" alt=\"Tim Starks\"> <\/figure>\n<\/p><\/div>\n<div class=\"author-card__details\" readability=\"10.901098901099\">\n<h4 class=\"author-card__name\">Written by Tim Starks<\/h4>\n<p> Tim Starks is senior reporter at CyberScoop. His previous stops include working at The Washington Post, POLITICO and Congressional Quarterly. An Evansville, Ind. native, he’s covered cybersecurity since 2003. Email Tim here: <a href=\"mailto:tim.starks@cyberscoop.com\">tim.starks@cyberscoop.com<\/a>. <\/div>\n<\/p><\/div>\n<div class=\"single-article__tags-container\">\n<h4 class=\"single-article__tags-title\">In This Story<\/h4>\n<\/p><\/div>\n<\/footer>\n<p> <\/html><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"single-article__ads js-single-article-sidebar\">\n<div class=\"ad ad--sidebar js-single-article-sidebar-5 ad--rightrail_1 \">\n<div class=\"ad__inner\"> <span class=\"screen-reader-text\">Advertisement<\/span> <\/div>\n<\/div>\n<div class=\"ad ad--sidebar js-single-article-sidebar-4 ad--rightrail_2 \">\n<div class=\"ad__inner\"> <span class=\"screen-reader-text\">Advertisement<\/span> <\/div>\n<\/div>\n<div class=\"ad ad--sidebar js-single-article-sidebar-3 ad--rightrail_3 \">\n<div class=\"ad__inner\"> <span class=\"screen-reader-text\">Advertisement<\/span> <\/div>\n<\/div><\/div>\n<\/article>\n<div class=\"popular-stories popular-stories--single-post\">\n<div 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{"id":8464,"date":"2026-03-24T10:19:22","date_gmt":"2026-03-24T15:19:22","guid":{"rendered":"https:\/\/cyberscoop.com\/?p=88376"},"modified":"2026-03-24T10:19:22","modified_gmt":"2026-03-24T15:19:22","slug":"treasury-asks-whether-terrorism-risk-insurance-program-should-bolster-cyber-coverage","status":"publish","type":"post","link":"https:\/\/ddi.mohflo.net\/index.php\/2026\/03\/24\/treasury-asks-whether-terrorism-risk-insurance-program-should-bolster-cyber-coverage\/","title":{"rendered":"Treasury asks whether terrorism risk insurance program should bolster cyber coverage"},"content":{"rendered":"