Hiscox R5®
Terrorism

What is Hiscox R5?
Tailor made coverage for man-made disasters.
- US domiciled organizations of all sizes for their domestic and international exposures
- Fortune 500 firms
- Small private businesses and institutions
Active Shooter and Malicious Attack
- Property damage.
- Business interruption - up to 180 days plus an additional 90 days for extended period of indemnity.
- Crisis management, including: $250,000 for additional security; $250,000 for counseling; $250,000 for public relations.
- Loss of attraction income loss if shooting event occurs within one mile of insured’s location.
- 3rd party liability
(NCBR) Nuclear, Chemical, Biological, Radiological Terrorism Insurance
- No policy zone restrictions on the origin of the attacks.
- No requirement to prove the origin of the attack.
- Policy will respond if a civil, military, or government authority prevents the insured from conducting business or requires a location to be decontaminated/cleaned up.
- Comprehensive coverage including: BI/loss of net income; extra expense; blast damage sustained from detonation of a NCBR weapon; decontamination and clean-up costs; demolition and debris removal costs.
- Limit: up to $25M available.
Terrorism Liability Insurance
- Trigger of coverage is an act of terrorism.
- Policy responds to an event regardless of TRIPRA certification.
- Third-party Property Damage and Bodily Injury.
- Employers Liability — international and domestic on an excess basis.
- Lenders’ interests.
- Nuclear, Chemical, Biological, Radiological Liability.
- Willing to consider $0 deductible.
- Claims made and reported basis of coverage.
- Limits: $50M liability coverage.
Terrorism and Sabotage Insurance
- Trigger of coverage is an act of terrorism.
- Property Damage and Business Interruption coverage, including extra expense costs and loss of rental income.
- Terrorism General Liability and/or Terrorism Employers’ Liability.
- Riots, strikes and civil commotion coverage.
- War and political violence.
- Terrorism lenders’ interest.
- Full building values or coverage on a first loss basis.
- Competitive pricing based on individual risk factors associated with our client.
- Limits:$250M per building; $50M in liability coverage; willing to consider $0 deductible.
Threat of a Malicious Act Insurance
- Indemnity against lost revenue for length of time the business is interrupted (up to a maximum often days).
- Coverage provisions: One or more of your premises are evacuated; Staff or the public are prevented from leaving your premises; access to your premises is prevented by order of a civil or military authority associated with our client.
- Limits: Up to $5M per occurrence and $20M in the annual aggregate.
- Fees and expenses of Control Risks sub-limited to $50,000 and included within the policy limit.
Key Contacts
Up to $250,000,000
Related products
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Claims scenarios
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Risk management
We partner with leading risk management services to ensure our clients have support and guidance, in addition to exceptional coverage.
Control Risks
Hiscox exclusively retains the response services of Control Risks, an independent specialist risk consultancy, who are able to immediately deploy resources to a crisis anywhere in the world.
News and insights
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Hiscox R5 video
Find out what Hiscox R5 covers and why your client needs it.
Terrorism Insurance vs. TRIPRA
TRIPRA is lacking in coverage for most businesses. Find out about the value of a standalone Terrorism product.