logo image

Dynamic Risk

For nearly 20 years, RMS terrorism models have been updated regularly to reflect the latest threat landscape. The models enable application of various reinsurance programs and TRIPRA.

Probabilistic Modeling

Gain a complete view of risk with a comprehensive solution that provides a full range of possible attacks of varying severity and likelihood.

Manage Accumulations

Evaluate exposure concentrations within your book using a database of global terrorist targets and accumulation tools. 

Support Reporting

Produce losses and results necessary for Lloyd’s RDS, rating agencies such as AM Best SRQ, and government reporting including US TRIP data call.

Clear Insight

Obtain a clear competitive advantage in risk selection, risk transfer, and capital management. Covers property (including business interruption) and human exposures.

RMS Spider Accumulation

Identify global concentration hot spots and accurately evaluate accumulations that can generate unexpected losses.

Risk Outlooks

Model different levels of threat assessments to quantify sensitivity of losses due to a heightened or reduced threat each year. 

Multiple Attack Modes

Over 30 attack modes including multiple magnitudes of conventional and chemical, biological, radiological, and nuclear (CBRN) attack modes.

Extensive Target Database

Nearly 10,000 high-likelihood targets across 18 countries are frequently updated and used as the basis for stochastic scenarios.


Related Products

Terrorism Scenario Model

Assess the severity of terrorist attacks to quantify the risk from a range of terrorism "what-if" scenarios, and identify hot spots that could generate the largest losses.

Probabilistic Terrorism Model

Complete probabilistic model based on a data-driven view of the macro-terrorism threat and assessment of frequency, synchronous attacks, and terrorist attack preferences, for global terrorism risk.  

U.S. Terrorism IED/ILC

An industry exposure database (IED) and industry loss curves (ILC) quantify the macro-terrorism risk in the United States for the commercial property and workers’ compensation insurance market.

Beyond Terrorism

(Re)insurers that offer affirmative terrorism coverage or are otherwise exposed to terrorism may be interested in a number of other RMS solutions to help gain a more complete view of risk.


Case Study
Building a Data-Driven Understanding of Terrorism Business Interruption

RMS guided a (re)insurance broker through a deep dive into the RMS Probabilistic Terrorism Model to establish a detailed understanding of business interruption across a range of scenarios.

Lower Manhattan Skyline
Twenty Years Since 9/11: Living With an Ever-Present Threat

It was 8:46 a.m. local time on September 11, 2001, when a hijacked American Airlines Boeing 767 was flown directly into the North Tower of the World Trade Center in New York City. By 10:03 a.m., hijacked planes had crashed into the World Trade Center South Tower and the Pentagon, Washington D.C. Hijackers on a fourth plane were overpowered by brave passengers, and it crashed in a field in Pennsylvania. Within days, the identities of the terrorists belonging to…

Police car
Non-damage Business Interruption Insurance: Learning From Paris in 2015

The hospitality industry worldwide is being battered – not by a physical force of nature like an earthquake or hurricane but by an “invisible” coronavirus, which causes no physical property damage. Projections show 2020 to be the worst year on record for hotel occupancy, even worse than during the Great Depression.  Providing non-damage business interruption (NDBI) coverage explicitly for pandemics is a major challenge for insurers. Limited capacity is a…

New Ways of Modeling Property-Liability Clash and Uncovering Hidden Risk

Natural disasters and other large catastrophes can trigger huge economic losses potentially among multiple insurance lines. RMS, in collaboration with research partner Cambridge Centre for Risk Studies at University of Cambridge, have developed eight template scenarios that model liability clash triggered by natural or man-made catastrophic events. This research was primarily focused on property–liability clash modeling and was the continuation of the two…

Reviewing RMS Terrorism Frequency and 2021 Risk Outlook

For nearly 20 years RMS has offered solutions that empower effective management, monitoring, of terrorism exposure worldwide. One of the most controversial components of terrorism risk modeling is the estimation of attack frequency. Many risk managers consider models incapable of estimating the number of major terrorist attacks, as human actions are impossible to forecast. RMS considers frequency modeling to be not only possible, but necessary for managing…

Meeting room
RMS September Update: New HD Models for Europe, New Zealand, and the U.S. With Risk Modeler and New ExposureIQ for Richer Accumulation Management

After recently launching new High Definition Models™ during August, we are delighted to announce that clients using RMS® Risk Modeler™, powered by RMS Risk Intelligence™, now have access to three additional HD Models™ covering new perils and regions in Europe, New Zealand, and the U.S.: Europe Severe Convective Storm HD Models: Comprehensive coverage of all sources of loss including hail, straight-line winds, and tornado risk for 17 countries, comes with…

Terrorism Risk During the COVID-19 Pandemic

While countries across the world continue to tackle the global coronavirus pandemic, the terrorism threat landscape has seen changes. Networks of various ideologies have been looking to exploit insecurities around the virus, either to enhance their organization or to spread panic by advocating terrorist attacks. For counterterrorism practitioners surveilling the main threat actor groups, online propaganda messages have been posted by right-wing extremists …

police cars
Terrorism Risk for California Workers’ Compensation

The terrorism landscape has changed significantly since 9/11. There is a visible shift from large-scale attacks to a growing number of lone wolf attacks. Many believe there has not been a major terrorist event in the United States post 9/11, but one should not overlook the near-misses in the recent past which could have caused massive losses such as the 2016 New York-New Jersey bombings. The unpredictable and catastrophic nature of terrorism led to the…

TRIA diag
Re-evaluating TRIA

At this year’s RMS Terrorism Risk Summit, we focused attention on the U.S. landscape. The main issue these days in terrorism insurance discussions relates to the Terrorism Risk Insurance Protection and Reauthorization Act (TRIPRA), which will expire at the end of December 2020 if not reauthorized. This important legislation is also known by other acronyms including TRIA (Terrorism Risk Insurance Act) and TRIP (Terrorism Risk Insurance Program). In discussing the…

Terror seminar NY
Managing the Multifaceted Terrorism Threat: RMS Terrorism Risk Summit 2019

Despite the paucity of large-scale terrorism attacks in North America, the multifaceted terrorism threat in the U.S. continues to be a significant one that must be managed by the (re)insurance risk management industry,according to experts at this year’s RMS Terrorism Risk Summit.  The theme for this year’s summit, held in New York on September 25, focused on the multifaceted terrorism threat landscape in the U.S. and how the…

contact us

Better Understand Your Terrorism Risks

close button
Overlay Image
Video Title

Thank You

You’ll be contacted by an RMS specialist shortly.