TRIA has never paid a claim. A cyber terrorism scenario shows what happens when it does

The US Treasury has modelled a hybrid cyber attack on Virginia data centres generating $14.6 billion in insured losses - and 88% of it sits in a coverage category TRIA was not designed to handle

Commercial risk teams are responding with tighter controls, scenario modeling, and broader collaboration across underwriting, claims, and cyber operations.

Leaders continue to prioritize resilience planning while balancing cost, coverage terms, and operational exposure in a changing market cycle.