While TRIA was reauthorized in January, many wonder how it would respond to a state-backed cyber-attack. Here, insurance Information Institute (III) President Robert Hartwig discusses the issue and the may questions that still exist. Dr. Hartwig explains that the renewed TRIA will be in effect until 2020, but it does not directly address cyber risk, despite calls for the law to do so. The general view suggests, if there were damages ordinarily covered under a policy (i.e.: fire, explosion, etc.), they would be covered under a terrorism risk insurance policy. However, state-sponsored terrorism is a “very grey area.” Acts of war are generally excluded from all types of insurance coverage.