Many of the accounts I write are the type of businesses that are not acceptable in the standard market so they end up being written on a surplus lines basis. Nearly all of the quotes for General Liability contain an offer of terrorism coverage per the Federal law. When my customers ask if they need this, I'm hard pressed to find an example of why a small busines (like a small remodeling contractor) would need terrorism coverage on a GL policy since the GL policy will respond for damages for which he is legally liable. Does anyone recommend to their customers that they purchase this coverage and if so, why? (specifically.....because I can't think of one example).

Please help.

I didn't find the right solution from the Internet.

Video content agency