2025-23274NoticeWallet

Government Sets $58 Billion Terrorism Insurance Threshold for 2026

Published Date: 12/18/2025

Notice

Summary

The Treasury just set the insurance marketplace aggregate retention amount (IMARA) for 2026 at about $58.7 billion. This number tells insurers how much risk they keep before the government steps in under the Terrorism Risk Insurance Program. The new IMARA kicks in January 1, 2026, helping keep terrorism insurance available and affordable for businesses.

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

IMARA set at $58.7 billion for 2026

If you run a business that buys commercial terrorism insurance, the Treasury set the insurance marketplace aggregate retention amount (IMARA) for 2026 at $58,673,180,666. This IMARA is effective January 1, 2026 through December 31, 2026 and tells insurers how much industry risk they keep before the government may step in under the Terrorism Risk Insurance Program (TRIP). Treasury says this helps keep terrorism insurance available and affordable for businesses.

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Key Dates

Published Date
Effective Date
12/18/2025
1/1/2026

Department and Agencies

Department
Independent Agency
Agency
Treasury Department
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