The Working Group noted because most "policy forms [that do offer CNBR insurance] either include or exclude coverage for CNBR events without distinction as to the cause of the event, there should be no difference in the availability of coverage for such events caused by acts of terrorism.
The Working Group observed that potential insureds probably do not perceive a need for terrorist-related CNBR coverage--only 3% of all policyholders purchased this kind of insurance (not including workers' compensation policies) in 2002, 2003 and 2004.
Without federal sharing of the financial burden of insurance, the result seems obvious: Companies won't offer CNBR-related coverage unless mandated, and small companies that incur workers' compensation-related CNBR losses will be obliterated.
If the federal government teams with insurers to provide CNBR coverage and, to the extent it can, shares information on CNBR risks and associated costs, insurers would be better able to assess and price CNBR terrorism risk.
If no CNBR attack occurs, the government would keep the reinsurance prenaiums and invest them.
The United Kingdom, for instance, has long had a permanent government reinsurance pool that covers some commercial property damage and business interruption losses caused by CNBR contamination.
Therefore, the federal government should transform TRIA/TRIEA into a more permanent reinsurance program that considers, and accounts for, terrorism-related CNBR losses.
However, analysis of a series of dilutions of the CNBr digest of albumin indicated that responses were linear throughout the assay ranges (Fig.
Even isolated CNBr fragments representing 3 separate segments of albumin had nearly similar reactivity.
1] Nonstandard abbreviations: CNBr, cyanogen bromide.