Terrorism Insurance Claims

Get the best outcome with expert terrorism claim support

Terrorism is excluded from most standard property policies, so losses are usually recovered under a standalone terrorism and sabotage policy or a wider political violence programme. Insurers will examine whether the incident meets the policy's definition of terrorism, whether an exclusion applies and how far business interruption cover extends. Our team handles your claim from first contact to final settlement, ensuring every element of your loss is documented and recovered.

What Terrorism Insurance Covers

Depending on your policy wording, terrorism insurance can respond to:

• Acts of Terrorism: Physical damage to buildings, fit-out, contents, stock and machinery caused by an act of terrorism.
• Sabotage: Damage caused by deliberate acts of sabotage against your property or operations.
• Explosion & Fire: Damage caused by explosive devices, including vehicle-borne devices, and the fire that follows.
• Business Interruption: Lost gross profit and increased costs of working while your business recovers.
• Denial of Access & Loss of Attraction: Lost income when authorities cordon off the area, or when an attack nearby keeps customers away, even without damage to your own premises.
• Threat, Evacuation & Additional Costs: Where included, losses following a credible threat or ordered evacuation, plus debris removal, demolition and professional fees.

How Oakleafe Helps If You Need to Claim

Insurers appoint Loss Adjusters to protect their own interests. An Oakleafe Loss Assessor works exclusively for you, the policyholder, and handles every stage of your terrorism claim:

• Rapid Response: As soon as the authorities release the site, we attend, help secure the premises and organise emergency repairs to prevent further loss.
• Liaising with Authorities: We work with police and civil defence to obtain the incident reports and site access that insurers require.
• Policy Review: We check the terrorism definition, sub-limits, deductibles, waiting periods and exclusions such as CBRN and cyber, so you know exactly what you are entitled to.
• Proving the Loss: We build the evidence that links your damage and lost income directly to the insured event.
• Full Quantification: We calculate building, contents, stock and business interruption losses, supported by forensic accountants where needed.
• Negotiation & Settlement: We deal directly with insurers, brokers and adjusters until your claim is settled in full.

With over 30 years of experience, our team gives you the technical knowledge and negotiating strength to secure your full entitlement while you focus on recovery.