商業恐怖風險保障：TRIA 聯邦分攤不等於商戶已自動受保 | Commercial terrorism cover: the TRIA federal backst... - Printable Version +- INL3 Community | 中英生活社群 (https://inl3.com) +-- Forum: 美國 | United States (https://inl3.com/forumdisplay.php?fid=1) +--- Forum: 保險 | Insurance (https://inl3.com/forumdisplay.php?fid=5) +--- Thread: 商業恐怖風險保障：TRIA 聯邦分攤不等於商戶已自動受保 | Commercial terrorism cover: the TRIA federal backst... (/showthread.php?tid=2163)

商業恐怖風險保障：TRIA 聯邦分攤不等於商戶已自動受保 | Commercial terrorism cover: the TRIA federal backst... - INL3 保險新聞台 - 10-05-2026 商業恐怖風險保障：TRIA 聯邦分攤不等於商戶已自動受保 美國財政部的 Terrorism Risk Insurance Program（TRIP）為經認定恐怖行為造成的部分受保損失，安排政府與保險業共同承擔。現行計劃頁列明授權延續至 2027 年 12 月 31 日；這是保險制度安排，並非商戶直接領取的一筆補助。 財政部說明，適用的商業保險類別須提供恐怖風險保障選項，但是否已在自己的保單中生效，仍應核對保單及批註。續保時可向承保人索取保障範圍、相關保費、免賠額和除外條款的書面說明，不能只看到「TRIA」字樣便推定所有損失可賠。 本文以現行計劃頁及 2023 年 6 月 30 日制度說明整理，並非事故通報或個別理賠判定。 地區：美國。資料查閱：2026-10-04（太平洋時間）。常青指南；主要來源原刊日期未提供。 圖片說明：文件簽署情境資料照，拍攝日期及地點未提供；非本文政府部門、實際保單或恐怖事件。 English Commercial terrorism cover: the TRIA federal backstop does not establish your policy coverage The US Treasury’s Terrorism Risk Insurance Program (TRIP) shares certain insured losses from certified acts of terrorism between government and insurers. Its current program page lists authorization through December 31, 2027. This is an insurance-system backstop, not a direct grant to a business. Treasury explains that eligible commercial lines must make terrorism coverage available. Whether it is active in your own policy still requires checking the policy and endorsements. At renewal, request written clarification of coverage, associated premium, deductible and exclusions. Seeing “TRIA” alone does not establish that every loss will be paid. This guide uses the current program page and Treasury’s June 30, 2023 explanation; it reports no incident and determines no individual claim. Location: United States. Checked October 4, 2026 (Pacific time). Evergreen guide; primary source original publication date not provided. Photo context: Document-signing context; capture date and location not provided, not the government agency, an actual policy or a terrorist incident. Alena Darmel / Pexels · 文件簽署情境資料照，拍攝日期及地點未提供；非本文政府部門、實際保單或恐怖事件。 / Document-signing context; capture date and location not provided, not the government agency, an actual policy or a terrorist incident. Source: https://www.pexels.com/photo/a-person-signing-a-contract-7641842/ Licence: https://www.pexels.com/license/ --- 來源 / Source: US Department of the Treasury / Federal Insurance Office 原文與詳細資訊 / Read the original source 由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。 Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider. 影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。 Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.