As treasurers and risk managers are discovering, stand-alone terror coverage now costs as much as all other forms of property insurance combined. Until recently, a $100 million property policy (including terrorism coverage) might cost as little as $200,000, says Bob Smith, Northeast regional executive officer for insurance broker Willis. Today, the same policy costs anywhere from $400,000 to $600,000 — and excludes terrorism risks. To get an added $25 million of terrorism coverage, Smith says, a buyer might have to pony up an additional $500,000.

That's putting terroism coverage out of reach for many companies. Even if insurers come down on their prices — and that's not real likely — few mid-sized businesses will be able to afford terror coverage. "You could sell me the Hope Diamond at 50 percent off, and I still couldn't afford it," says David Mair, director of risk management for the United States Olympic Committee (USOC) and president of the Risk and Insurance Management Society

Where did you plagiarize this from? How is anyone really able to cover the potential damage from a terrorist act and why should it be a separate rider or policy? Doesn't make much sense to me.