What it does
IL 00 31 modifies the same property-type coverage parts as IL 00 30. Its exclusion is narrower. Loss caused directly or indirectly by "terrorism" is excluded only when one of these is attributed to the incident:
- The terrorism is carried out by dispersal or application of radioactive material, or by a nuclear weapon or device that produces a nuclear reaction, radiation or contamination.
- Radioactive material is released, and one purpose of the terrorism appears to have been to release it.
- The terrorism is carried out by dispersal or application of pathogenic or poisonous biological or chemical materials.
- Such materials are released, and one purpose appears to have been to release them.
Key provisions
- Uses the same ISO definition of "terrorism" as IL 00 30.
- Exception Covering Certain Fire Losses: in the states listed (the specimen lists Alabama, Connecticut, Delaware, Florida, Illinois, Louisiana, Maryland, Michigan, Mississippi, New Jersey, New York, Ohio, Pennsylvania and Wisconsin for commercial property), resulting fire is covered for direct damage to covered property. Business income and extra expense are not included.
Quoting and selling notes
- It still appears on current policies, often alongside the TRIA forms. Read the full set of terrorism endorsements to understand what remains covered.
- For certified acts involving NBC means, see IL 09 86.
