Orange Alert Leaves Terror Cover Demand Unchanged When the U.S. Department of Homeland Security increased the threat level to Orange, or High Risk of a Terrorist Attack, the publics defense was a run on duct tape, sheets of plastic and bottled water. For the commercial insurance client, the alert did nothing.

Faced with the new reality of terrorism since 9/11, commercial insurance clients have been weighing the value of terrorism coverage against their exposure and the burden of price increases brought on by the hard market across the board, insurance brokers and agents say.

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