2022 Data Call Instructions Small Insurers (Proposed Revisions)

Instructions for Terrorism Risk Insurance Program (TRIP) 2022 Data Call

Small Insurers

Form Overview

This reporting form is for “small insurer” groups or entities that, in 2020, had both a policyholder surplus and TRIP-eligible direct earned premium (DEP) of less than $1 billion (each).

• Insurance groups or entities are exempt from reporting if they had less than $10 million in TRIP-eligible DEP in 2021.

• If a Captive Insurer or an Alien Surplus Lines Insurer is affiliated with a group, the experience of the Captive Insurer or the Alien Surplus Lines insurer should be reported with that group on either this template or the Insurer (Non-Small) Groups or Companies template, depending upon the size category.

• If a Captive Insurer or an Alien Surplus Lines Insurer is not affiliated with a group, it should complete the Alien Surplus Lines Insurers or Captive Insurers template, as appropriate, even if it otherwise falls within the size parameters of the “small insurer” definition.

General Guidelines

• All information should be reported on a consolidated insurer group basis, unless reporting for a single insurer.

• When providing premium on a jurisdictional basis, premium should be allocated in the same fashion that it is for state reporting and premium tax purposes. Accordingly, coverage written on a non-admitted, surplus lines basis may be allocated in full to the home state of the policyholder, as defined by the Nonadmitted and Reinsurance Reform Act.

• When providing premium on a jurisdictional basis, for premium which is otherwise not allocable to a particular jurisdiction (e.g.: certain Ocean Marine, Inland Marine, and Aviation coverages; or coverages based upon foreign operations with a U.S. nexus), report this premium under “Other/Not Subject to Allocation in a Particular Jurisdiction.”

• DEP should be included in this calculation to the extent that commercial property and casualty coverage is issued for losses occurring at the following locations: (1) Within the United States; (2) With respect to an air carrier (as defined in section 40102 of title 49, United States Code), or a United States flag vessel (or a vessel based principally in the United States, on which United States income tax is paid and whose insurance coverage is subject to regulation in the United States); and (3) At the premises of any U.S. mission.

• TRIP-eligible lines to be included in DEP calculations generally correspond to NAIC lines (as reported on the NAIC Exhibit of Premiums and Losses, commonly known as Statutory Page 14). The information reported on this worksheet should only include TRIP-eligible DEP. Any amounts reported on Statutory Page 14 that are not within the scope of TRIP-eligible lines as defined by the Program regulations should not be reported here [see 31 CFR 50.4(w)]. Specifically:

• The property line Allied Lines (NAIC Line 2.1) should not include federal crop insurance or any other type of crop insurance privately issued or reinsured.

• Workers’ Compensation (NAIC Line 16) data will be reported on the insurer’s behalf by NCCI, the California WCIRB, and/or the New York CIRB. However, you must still report excess workers’ compensation premium (identified as sub-type of insurance 16.003 on the NAIC’s Uniform Property & Casualty Product Coding Matrix and otherwise reported under 17.3 as indicated).

• The liability line of Other Liability (NAIC Line 17) should not include Professional Errors and Omissions Liability Insurance [see 31 CFR 50.4(t)] or Excess Workers’ Compensation Premium (which is entered separately as noted above).

• Information is sought concerning policies that will or would have responded to “certified acts of terrorism” during the reporting period. The fact that the policy did not in fact make payments for claims associated with any certified acts of terrorism is not relevant to the obligation to report information.

• For purposes of this data collection, reporting insurers do not need to make the premium adjustments in connection with residual market mechanisms provided for under 31 CFR 50.33.

• Policy count should be calculated based on the number of policies incepting in 2021 (or in effect for the entire year). For reporting other elements apart from DEP, where the reporting of information (e.g., exposures) under policies in effect during 2021 would result in double counting for the year as a whole, utilize a reporting date of December 31, 2021.

• Information subject to reporting under the Standalone Terrorism (Nationwide) Worksheet and Cyber (Nationwide) Worksheet should be considered a subset of an insurer’s TRIP-eligible policies, and should also be reported on additional worksheets, as appropriate.

• All exposure information should be reported gross of any private reinsurance, except where otherwise indicated.

• Questions on the Reinsurance (Nationwide) Worksheet are limited to reinsurance purchased from unaffiliated third-party companies, and do not include reinsurance transactions within a group of affiliated insurers.

• Blacked out cells indicate that no data will be reportable for that particular cell.

• Hypothetical policy situations demonstrating proper data completion are available on the TRIP website (https://home.treasury.gov/policy-issues/financial-markets-financial-institutions-and-fiscal-service/federal-insurance-office/terrorism-risk-insurance-program/annual-data-collection).

Summary of Changes from 2021 Templates

• Cyber (Nationwide) Worksheet:

• The 2021 Cyber (Nationwide) Worksheet has been replaced with an expanded worksheet which, in addition to the information previously requested, now also requests certain information for cyber policies written in non-TRIP-Eligible lines of insurance, cyber policy numbers and DEP as divided between small, medium, and large policyholders, and specific policy information and loss information in connection with cyber extortion (including ransom payment) coverage under cyber policies.

Summary of Changes from 2021 Instructions

• Cyber (Nationwide) Worksheet: The instructions have been expanded to explain the nature of the reporting now expected in connection with the expanded Cyber (Nationwide) Worksheet.

Special Instructions for Completion of Cyber (Nationwide) Worksheet

• The changes to Cyber (Nationwide) Worksheet include the collection of certain data elements not previously requested by Treasury:

• Lines 12-17: Premium and Number of Policies allocated by size of policyholder, measured by its Number of Employees;

• Lines 21-24; Limits specific to Cyber Extortion and Ransom Payments; and

• Lines 25-30; Loss information specific to Cyber Extortion and Ransom Payments.

• To the extent an insurer has not been collecting this information in connection with its operations and thus cannot capture this information, it is not required to provide this information in the 2022 TRIP Data Call. The determination not to report this information because of existing capabilities is subject to the same verification that an insurer provides that it is providing information “as a full and true statement of the information provided to the best of its knowledge, information and belief.” See 31 CFR 50.50(c)(1). Insurers that have been collecting the information should report the information, subject to the more detailed instructions below. Insurers may contact Treasury directly as to any issues prosed by this expanded data collection.

Instructions for Insurer Group Affiliations Worksheet

Insurer Group Affiliations
Section	Field Name	Comments
B4	NAIC Group Code	Provide the NAIC Group Code used for state regulatory reporting purposes. If the insurer is not part of a group, leave blank and report the individual company’s NAIC Company Code in Cell B9. Groups that have no such number will be assigned a number by the aggregator.
C4	Insurer Group Name	Provide name as used by reporting insurance group. If the insurer is not part of a group, leave blank and report the individual company’s name in Cell C9.
B9-B27	NAIC Company Code	Provide the NAIC Company Code used for state regulatory reporting purposes. Enter information for each company within an affiliated group of insurers (as reported in Cells B4 and C4) or enter information for individual company if not part of a group. Alien surplus lines insurers that are part of a group should be included, using an assigned International Insurers Department (IID) number in lieu of the NAIC Company Code. Companies that have no such number will be assigned a number by the aggregator.
C9-C27	Insurance Company Name	Provide name as used by reporting insurance company. Enter information for each company within an affiliated group of insurers (as reported in Cells B4 and C4), or report for individual company if not part of a group.
D9-D27	Type of Insurer	Select from drop-down list the item that best describes the operations of the reporting insurer with respect to the Terrorism Risk Insurance Program (Admitted, Domestic Surplus Lines, Alien Surplus Lines, Joint Underwriting Association/Pooling Arrangement, Residual Market Entity, State Workers’ Compensation Fund).
H3	Total 2020 Policyholder Surplus	Enter total 2020 policyholder surplus as reported by the insurance group or company for state regulatory purposes on its Annual Statement for 2019 at Page 3, Line 37, Column 1. To the extent the insurer does not report this figure for state regulatory purposes, report a policyholder surplus figure for 2020 based upon an equivalent methodology.
H4	Total 2020 TRIP-Eligible DEP (all lines)	Provide the insurance group or company’s total 2020 TRIP-Eligible Direct Earned Premium (DEP), for all lines and all jurisdictions. If the insurer reported in the 2021 TRIP Data Call, this field has already been populated with the information that was previously provided.

Instructions for Direct Earned Premium (DEP) (Jurisdiction) Worksheet

Direct Earned Premium (DEP) (Jurisdiction)
Section	Field Name	Comments
B2	Jurisdiction	Provide policy and DEP information by jurisdiction (U.S. state, the District of Columbia, or U.S. territory) on separate worksheets. Complete an additional worksheet to provide policy and DEP information for data which is otherwise not allocable to a particular jurisdiction. No additional worksheet is required to provide aggregate data for the United States, as the sum of all premiums should equal the aggregate totals.
B6-B17	TRIP-Eligible Line of Coverage	Cells B6-B17 list the TRIP-eligible lines of coverage presently included in the Program. Cells C6-C17 list the NAIC lines (as reported on the NAIC Exhibit of Premiums and Losses, commonly known as Statutory Page 14) which generally correspond to these TRIP-eligible lines.
C6-C17
D6-D17	Total 2021 TRIP-Eligible DEP (all policies)	The figures in Column D will show the total 2021 DEP charged for the corresponding TRIP-eligible line of insurance listed in Cells B6-B17. The figures reported in this column will equal the sum of the respective figures reported in Columns E-G. Cell D18 will show the insurance group or company’s total 2021 TRIP-eligible DEP for all lines of insurance.
E6-E17	Total 2021 TRIP-Eligible DEP (Terrorism Risk Coverage Declined)	For each corresponding TRIP-eligible line of insurance listed in Cells B6-B17, provide total 2021 DEP of policies, where terrorism risk coverage was not provided to the policyholder. Include premium in this column only if a policy did not provide any coverage subject to TRIP. If the policyholder declined the initial mandatory offer, but a different amount of coverage subject to TRIP was then negotiated, include that premium information in Column F or G, as appropriate.
F6-F17	Total 2021 TRIP-Eligible DEP (Terrorism Risk Coverage Provided for Disclosed $0 Charge)	For each corresponding TRIP-eligible line of insurance listed in Cells B6-B17, provide total 2021 DEP of policies, where terrorism risk coverage was provided by the insurer to the policyholder for a disclosed charge of $0.
G6-G17	Total 2021 TRIP-Eligible DEP (Terrorism Risk Coverage Provided with a Premium Charged)	For each corresponding TRIP-eligible line of insurance listed in Cells B6-B17, provide total DEP for 2021 of policies, where terrorism risk coverage was provided by the insurer to the policyholder for a disclosed charge of more than $0.
H6-H17	Total 2021 DEP Charged for Terrorism Risk Coverage	For each corresponding TRIP-eligible line of insurance listed in Cells B6-B17, provide the amount of DEP charged for terrorism risk. This figure, representing premium charged for terrorism risk, should be a component of the amount provided in Column G.

Instructions for Standalone Terrorism (Nationwide) Worksheet

Standalone Terrorism (Nationwide)
Section	Field Name	Comments
C3	2021 DEP for Standalone Terrorism Policies	Provide 2021 DEP for standalone terrorism policies for the United States as a whole. Enter information here if the insurance group or company issued "standalone" policies covering only terrorism risk. Include all terrorism risk policies, whether or not subject to TRIP. Policies that include additional non-terrorism risks should not be included in this worksheet. These should be included in the Premium (Juris.) Worksheet. The figure entered in Cell C3 must equal the sum of the figures entered in Cells C4 and C5.
C4	Portion of 2021 DEP Providing Coverage for Losses for Certified Acts of Terrorism under TRIP	Identify the portion of the 2021 standalone terrorism DEP provided in Cell C3 which was subject to TRIP (if any).
C5	Portion of 2021 DEP Providing Coverage for Losses Arising from Other (Non-Certified) Acts of Terrorism	Identify the portion of the 2021 standalone terrorism DEP provided in Cell C3 which was not subject to TRIP (if any).
C6	2021 Number of Standalone Terrorism Policies Issued	Provide the 2021 policy count for the DEP provided in Cell C3.
C7	2021 Number of Standalone Terrorism Policies Issued Providing Coverage for Losses for Certified Acts of Terrorism Under TRIP	Provide the 2021 policy count for the DEP provided in Cell C4.
C8	2021 Property Insurance Exposure for Standalone Terrorism Policies Providing Coverage for Losses for Certified Acts of Terrorism Under TRIP	Provide the insurer’s total 2021 property insurance exposure for all property coverage provided in connection with the amount reported in Cell C3. Include the total amount of the reporting insurer's exposure for a property loss (and thus do not include amounts within a policyholder’s deductible, etc.). To the extent the value of the policyholder’s property is not fully insured by the policy in question, use the limits of the property insurance to calculate the insurer’s exposure.
C9	Total 2021 Limits of Liability for Standalone Terrorism Policies Providing Coverage for Losses for Certified Acts of Terrorism Under TRIP	Provide the insurer’s total 2021 liability exposure for all liability coverage provided in connection with the amount reported in Cell C3. Include the total amount of the reporting insurer's liability exposure (and thus do not include amounts within a policyholder’s deductible, etc.). Use the limits of the liability insurance to calculate the insurer’s exposure. If the policy has an aggregate limit, use the aggregate limit. If the policy is subject to a per occurrence limit and not an aggregate limit, use the single occurrence limit. Where a policy is not subject to a defined limit of liability, estimate exposure using a maximum probable loss model.

Instructions for Cyber (Nationwide) Worksheet

Cyber (Nationwide)
Section	Field Name	Comments
C3-E3	Total 2021 TRIP-Eligible DEP (All Cyber Policies)	Provide the amount of DEP charged for cyber coverage in TRIP-eligible lines. Enter totals for the United States as a whole. Enter 2021 TRIP-eligible DEP for “standalone” cyber policies in Cell C3. Enter 2021 TRIP-eligible DEP for package policies in Cell D3. Only include premium associated with the cyber coverage in the policy. If the policy does not specify the cyber premium, provide an estimate of the cyber component of the package policy. Policies that may respond to a cyber loss but do not explicitly provide coverage for cyber risks (sometimes characterized as non-affirmative cyber or “silent cyber”) should not be included in this worksheet. Policies that provide cyber coverage outside of TRIP-eligible lines should not be included. Cell E3 must show the sum of the values entered in Cells C3 and D3. Cells C3-E3 must show the sum of the values respectively entered in Cells C4-E4 and C5-E5.
C4-E4	Total 2021 TRIP-Eligible DEP for Cyber Policies (Terrorism Risk Coverage Declined)	Provide total 2021 DEP of cyber policies in TRIP-eligible lines, where terrorism risk coverage was not provided to the policyholder. Include premium in this row only if a cyber policy did not provide any coverage subject to TRIP. Enter 2021 TRIP-eligible DEP for “standalone” cyber policies in Cell C4. Enter 2021 TRIP-eligible DEP for package policies containing cyber coverage in Cell D4. Only include premium associated with the cyber coverage in the policy. If the policy does not specify the cyber premium, provide an estimate of the cyber component of the package policy. Policies that may respond to a cyber loss but do not explicitly provide coverage for cyber risks (sometimes characterized as non-affirmative cyber or “silent cyber”) should not be included in this worksheet. Policies that provide cyber coverage outside of TRIP-eligible lines should not be included in these fields. See C7-E7. Cell E4 must show the sum of the values entered in Cells C4 and D4.
C5-E5	Total 2021 TRIP-Eligible DEP for Cyber Policies (Terrorism Risk Coverage Provided)	Provide total 2021 DEP of cyber policies in TRIP-eligible lines, where terrorism risk coverage was provided to the policyholder. Include premium in this row only if a cyber policy provided coverage subject to TRIP. Enter 2021 TRIP-eligible DEP for “standalone” cyber policies in Cell C5. Enter 2021 TRIP-eligible DEP for package policies containing cyber coverage in Cell D5. Only provide premium associated with the cyber coverage. If the policy does not specify the cyber premium, provide an estimate of the cyber component of the package policy. Policies that may respond to a cyber loss but do not explicitly provide coverage for cyber risks (sometimes characterized as non-affirmative cyber or “silent cyber”) should not be included in this worksheet. Policies that provide cyber coverage outside of TRIP-eligible lines should not be included. Cell E5 must show the sum of the values entered in Cells C5 and D5.
C6-E6	Total 2021 DEP Charged for Terrorism Risk Coverage Under Cyber Policies	Provide the amount of DEP charged for terrorism risk in cyber policies providing terrorism risk coverage. Enter 2021 DEP charged for terrorism risk in “standalone” cyber policies in Cell C6. Enter 2021 DEP charged for terrorism risk in package policies containing cyber coverage in Cell D6. These figures, representing premium charged for terrorism risk, should be a component of the amounts provided in C5 and D5, respectively. For purposes of cyber coverage provided as part of a package policy, do not provide as the terrorism risk coverage DEP the total amount of terrorism risk coverage DEP provided under the policy as a whole. Provide only the amount associated with the cyber portion of the coverage or estimate an appropriate amount from the amount charged under the policy as a whole. Policies that may respond to a cyber loss but do not explicitly provide coverage for cyber risks (sometimes characterized as non-affirmative cyber or “silent cyber”) should not be included in this worksheet. Do not include premiums for terrorism coverage that is not subject to TRIP (“non-certified” coverage). Cell E6 must show the sum of the values entered in Cells C6 and D6.
C7-E7	Total 2021 Non-TRIP-Eligible DEP (All Cyber Policies)	Provide the amount of DEP charged for cyber coverage in the lines of insurance not subject to TRIP. Enter totals for the United States as a whole. Enter 2021 non-TRIP-eligible DEP for “standalone” cyber policies in Cell C7. Enter 2021 non-TRIP-eligible DEP for package policies in Cell D7. Only include premium associated with the cyber coverage in the policy. If the policy does not specify the cyber premium, provide an estimate of the cyber component of the package policy. Policies that may respond to a cyber loss but do not explicitly provide coverage for cyber risks (sometimes characterized as non-affirmative cyber or “silent cyber”) should not be included in this worksheet. Cell E7 must show the sum of the values entered in Cells C7 and D7.
C8-E8	Total 2021 Number of Cyber Policies Issued in TRIP-Eligible Lines of Insurance	Provide the corresponding 2021 policy count for the DEP provided in Cells C3-D3. Cell E8 must show the sum of the values entered in Cells C8 and D8.
C9-E9	Total 2021 Number of Cyber Policies Issued (Terrorism Risk Coverage Provided)	Provide the corresponding 2021 policy count for the DEP provided in Cells C5-D5. Cell E9 must show the sum of the values entered in Cells C9 and D9.
C10-E10	Total 2021 Number of Cyber Policies Issued in Non-TRIP-Eligible Lines of Insurance	Provide the corresponding 2021 policy count for the DEP provided in Cells C7-D7. Cell E10 must show the sum of the values entered in Cells C10 and D10.
C11-E11	Total 2021 Number of all Cyber Policies Issued	Provide the corresponding 2021 policy count for all cyber policies issued in TRIP-Eligible and Non-Trip-Eligible Lines of insurance combined. Cell C11 must show the sum of the values entered in Cells C8 and C10, and Cell D11 must show the sum of the values entered in Cells C8 and D10.
C12-E12	Total 2021 Number of all Cyber Policies Issued to Small Policyholders (100 or fewer employees)	Taking the figures reported in Line 11, identify the number of policies where the policyholder reported 100 or fewer employees.
C13-E13	Total 2021 Number of all Cyber Policies Issued to Medium Policyholders (101-500 employees)	Taking the figures reported in Line 11, identify the number of policies where the policyholder reported between 101 and 500 employees.
C14-E14	Total 2021 Number of all Cyber Policies Issued to Large Policyholders (501 or more employees)	Taking the figures reported in Line 11, identify the number of policies where the policyholder reported more than 500 employees.
C15-E15	Total 2021 DEP of all Cyber Policies Issued to Small Policyholders (100 or fewer employees)	Provide the DEP associated with the number of policies reported in Line 12.
C16-E16	Total 2021 DEP of all Cyber Policies Issued to Medium Policyholders (101-500 employees)	Provide the DEP associated with the number of policies reported in Line 13.
C17-E17	Total 2021 DEP of all Cyber Policies Issued to Small Policyholders (501 or more employees)	Provide the DEP associated with the number of policies reported in Line 14.
C18-E18	Total 2021 Limits of Liability for Cyber Policies Issued in TRIP-Eligible Lines of Insurance	Provide the insurer’s total 2021 liability exposure for all cyber liability coverage provided in connection with the corresponding amounts reported in Cells C3 and D3. Include the total amount of the reporting insurer's liability exposure (and thus do not include amounts within a policyholder’s deductible, etc.). Use the limits of the liability insurance to calculate the insurer’s exposure. For cyber coverage provided as part of a package policy, provide the limits associated with the cyber coverage provided. If the policy has an aggregate limit, use the aggregate limit. If the policy is subject to a per occurrence limit and not an aggregate limit, use the single occurrence limit. Where a policy is not subject to defined limit of liability, estimate exposure using a maximum probable loss model.
C19-E19	Total 2021 Limits of Liability for Cyber Policies Providing Coverage for Losses for Certified Acts of Terrorism Under TRIP	Provide the insurer’s total 2021 liability exposure for all cyber liability coverage provided in connection with the corresponding amounts reported in Cells C5 and D5. Include the total amount of the reporting insurer's liability exposure (and thus do not include amounts within a policyholder’s deductible, etc.). Use the limits of the liability insurance to calculate the insurer’s exposure. For cyber coverage provided as part of a package policy, provide the limits associated with the cyber coverage provided. If the policy has an aggregate limit, use the aggregate limit. If the policy is subject to a per occurrence limit and not an aggregate limit, use the single occurrence limit. Where a policy is not subject to defined limit of liability, estimate exposure using a maximum probable loss model.
C20-E20	Total 2021 Limits of Liability for Cyber Policies Issued in Non-TRIP-Eligible Lines of Insurance	Provide the insurer’s total 2021 liability exposure for all cyber liability coverage provided in connection with the corresponding amounts reported in Cells C7 and D7. Include the total amount of the reporting insurer's liability exposure (and thus do not include amounts within a policyholder’s deductible, etc.). Use the limits of the liability insurance to calculate the insurer’s exposure. For cyber coverage provided as part of a package policy, provide the limits associated with the cyber coverage provided. If the policy has an aggregate limit, use the aggregate limit. If the policy is subject to a per occurrence limit and not an aggregate limit, use the single occurrence limit. Where a policy is not subject to defined limit of liability, estimate exposure using a maximum probable loss model.
C21-E21	Total 2021 Limits of Liability for Cyber Extortion under Cyber Policies Issued in TRIP-Eligible Lines of Insurance	Provide the insurer’s total 2021 liability exposure for cyber extortion coverage only that is provided in connection with the corresponding amounts reported in Cells C3 and D3. Include the total amount of the reporting insurer's cyber extortion exposure (and thus do not include amounts within a policyholder’s deductible, etc.). Use the limits of the cyber extortion insurance to calculate the insurer’s exposure. For cyber extortion coverage provided as part of a package policy, provide the limits associated with the cyber extortion coverage provided. If the policy has an aggregate limit, use the aggregate limit. If the policy is subject to a per occurrence limit and not an aggregate limit, use the single occurrence limit. Where a policy is not subject to defined limit of liability, estimate exposure using a maximum probable loss model.
C22-E22	Total 2021 Limits of Liability for Ransom Payments for Cyber Extortion under Cyber Policies Issued in TRIP-Eligible Lines of Insurance	Provide the insurer’s total 2021 liability exposure for ransom payments for cyber extortion that is provided in connection with the corresponding amounts reported in Cells C3 and D3. Include the total amount of the reporting insurer's ransom payment exposure (and thus do not include amounts within a policyholder’s deductible, etc.). Use the limits of the ransom payment insurance to calculate the insurer’s exposure. For ransom payment coverage provided as part of a package policy, provide the limits associated with the ransom payment coverage provided. If the policy has an aggregate limit, use the aggregate limit. If the policy is subject to a per occurrence limit and not an aggregate limit, use the single occurrence limit. Where a policy is not subject to defined limit of liability, estimate exposure using a maximum probable loss model.
C23-E23	Total 2021 Limits of Liability for Cyber Extortion under Cyber Policies Issued in Non-TRIP-Eligible Lines of Insurance	Provide the insurer’s total 2021 liability exposure for cyber extortion coverage only that is provided in connection with the corresponding amounts reported in Cells C7 and D7. Include the total amount of the reporting insurer's cyber extortion exposure (and thus do not include amounts within a policyholder’s deductible, etc.). Use the limits of the cyber extortion insurance to calculate the insurer’s exposure. For cyber extortion coverage provided as part of a package policy, provide the limits associated with the cyber extortion coverage provided. If the policy has an aggregate limit, use the aggregate limit. If the policy is subject to a per occurrence limit and not an aggregate limit, use the single occurrence limit. Where a policy is not subject to defined limit of liability, estimate exposure using a maximum probable loss model.
C24-E24	Total 2021 Limits of Liability for Ransom Payments for Cyber Extortion under Cyber Policies Issued in Non-TRIP-Eligible Lines of Insurance	Provide the insurer’s total 2021 liability exposure for ransom payments for cyber extortion that is provided in connection with the corresponding amounts reported in Cells C7 and D7. Include the total amount of the reporting insurer's ransom payment exposure (and thus do not include amounts within a policyholder’s deductible, etc.). Use the limits of the ransom payment insurance to calculate the insurer’s exposure. For ransom payment coverage provided as part of a package policy, provide the limits associated with the ransom payment coverage provided. If the policy has an aggregate limit, use the aggregate limit. If the policy is subject to a per occurrence limit and not an aggregate limit, use the single occurrence limit. Where a policy is not subject to defined limit of liability, estimate exposure using a maximum probable loss model.
C25-E25	Total 2021 Direct Losses Paid for Cyber Extortion under all Cyber Policies Issued	Provide the insurer’s total 2021 payments for direct losses paid for cyber extortion. Amounts reported should be in connection with the policies associated with the amounts reported in Cells C3 and Cy, and D3 and D7, as well as any other cyber policy issued if the payments were made in 2021.
C26-E26	Total 2021 Direct Losses Incurred for Cyber Extortion under all Cyber Policies Issued	Provide the insurer’s total 2021 amounts incurred, but not paid, for direct losses for cyber extortion. Amounts reported should be in connection with the policies associated with the amounts reported in Cells C3 and C7, and D3 and D7, as well as any other cyber policy issued if the amounts were incurred in 2021.
C27-E27	Total 2021 Direct Losses Paid for Cyber Extortion (Ransom Payment or Reimbursement Only) under all Cyber Policies Issued	Provide the insurer’s total 2021 payments for ransom payments only, as part of cyber extortion coverage. Amounts reported should be in connection with the policies associated with the amounts reported in Cells C3 and C7, and D3 and D7, as well as any other cyber policy issued if the ransom payment was made in 2021.
C28-E28	Total 2021 Number of Claims Associated with Payments reported in Line 27	Provide the number of claims associated with the payments identified in Line 27.
C29-E29	Total 2021 Direct Defense and Loss Containment Amounts Paid for Cyber Extortion under all Cyber Policies Issued	Provide the insurer’s total 2021 payments for direct defense and loss containment amounts paid for cyber extortion. Amounts reported should be in connection with the policies associated with the amounts reported in Cells C3 and D7, and D3 and D7, as well as any other cyber policy issued if the payments were made in 2021.
C30-E30	Total 2021 Direct Defense and Loss Containment Amounts Incurred for Cyber Extortion under all Cyber Policies Issued	Provide the insurer’s total 2021 amounts incurred, but not paid, for direct defense and loss containment for cyber extortion. Amounts reported should be in connection with the policies associated with the amounts reported in Cells C3 and C7, and D3 and D7, as well as any other cyber policy issued if the amounts were incurred in 2021.

Instructions for Exposure Bases by Jurisdiction Worksheet

Exposure Bases by Jurisdiction
Section	Field Name	Comments
B2	Jurisdiction	Provide information by jurisdiction (U.S. state, the District of Columbia, or U.S. territory) on separate worksheets. Complete an additional worksheet to provide information for exposures which are not otherwise allocable to a particular jurisdiction. Complete an additional worksheet to provide aggregate exposure for the United States as a whole (all locations covered by TRIP).
B6-B17	TRIP-Eligible Line of Coverage	Cells B6-B17 list the TRIP-eligible lines of coverage presently included in the Program. Cells C6-C17 list the NAIC lines (as reported on the NAIC Exhibit of Premiums and Losses, commonly known as Statutory Page 14) which generally correspond to these TRIP-eligible lines.
C6-C17
D6-D17	Total 2021 TRIP-Eligible Property Exposure (Terrorism Risk Coverage Provided)	For each corresponding TRIP-eligible line of insurance listed in Cells B6-B17, provide total property exposure under all 2020 policies where terrorism risk coverage was provided in connection with property coverage. Enter the amount for each jurisdiction (based on the exposure as allocated for premium purposes) individually, even if an aggregate limit may limit exposure across multiple jurisdictions. For exposures which are otherwise not allocable to a particular jurisdiction, report under “Other/Not Subject to Allocation in a Particular Jurisdiction.” In the response for the United States as a whole (all locations covered by TRIP), report the total aggregate limit exposure only. Include the total amount of the reporting insurer's property exposure (and thus do not include amounts within a policyholder’s deductible, etc.). Use the limits of the property insurance to calculate the insurer’s exposure. If the policy has an aggregate limit, use the aggregate limit. If the policy is subject to a per occurrence limit and not an aggregate limit, use the single occurrence limit. To the extent the policy exposure is based upon property values or annual sales and is not otherwise subject to a policy limit, use the property values or annual sales figures.
E6-E17	Total 2021 TRIP-Eligible Property Exposure (Terrorism Risk Coverage Provided and NBCR Risks Not Excluded)	For each corresponding TRIP-eligible line of insurance listed in Cells B6-B17, provide total property exposure under all 2021 policies where terrorism risk coverage was and where the policy does not exclude coverage for nuclear, biological, chemical, and radiological (NBCR) risks. Use the same instructions as identified above for reporting policy limits generally. To the extent property policies that provide coverage for terrorism risk do not contain exclusions for NBCR risks, the figures entered in E6-E17 will be the same as the figures reported in D6-D17. To the extent property policies that provide coverage for terrorism risk do contain exclusions for NBCR, the figures entered in E6-E17 will be a lesser subset of the amount reported in D6-D17. To the extent any of the insurer’s policies provide coverage for some, but not all, risks within the NBCR category, assume that policies provide full NBCR coverage.
F6-F17	Total 2021 Policyholder Deductibles for TRIP-Eligible Property Policies (Terrorism Risk Coverage Provided)	For each corresponding TRIP-eligible line of insurance listed in Cells B6-B17, provide total deductible or retention exposure retained by policyholders under the policies reported in Cells D6-D17. Assume a maximum loss. If the policy has a per occurrence deductible or per claim deductible, use the respective deductible. If the policy has an aggregate deductible limit, use the aggregate deductible limit rather than a per occurrence or per claim deductible. For excess policies, do not include amounts of underlying insurance covered by other insurance policies, or the deductible amounts under those underlying policies.
G6-G17	Total 2021 TRIP-Eligible Property Exposure (Terrorism Risk Coverage Declined)	For each corresponding TRIP-eligible line of insurance listed in Cells B6-B17, provide total 2021 property insurance exposure, where terrorism risk coverage was not obtained by the policyholder. Include exposure amounts in this column only if a policy did not provide any coverage subject to TRIP.
H6-H17	Total 2021 Policyholder Deductibles for TRIP-Eligible Property Policies (Terrorism Risk Coverage Declined)	For each corresponding TRIP-eligible line of insurance listed in Cells B6-B17, provide total deductible or retention exposure retained by policyholders under the policies reported in Cells G6-G17. Assume a maximum loss. If the policy has a per occurrence deductible or per claim deductible, use the respective deductible. If the policy has an aggregate deductible limit, use the aggregate deductible limit rather than a per occurrence or per claim deductible. For excess policies, do not include amounts of underlying insurance covered by other insurance policies, or the deductible amounts under those underlying policies.
I6-I17	Total 2021 Limits of Liability for TRIP-Eligible Policies (Terrorism Risk Coverage Provided)	For each corresponding TRIP-eligible line of insurance listed in Cells B6-B17, provide the insurer’s total 2021 liability exposure TRIP-eligible lines, where terrorism risk coverage was provided to the policyholder. Enter the amount for each jurisdiction (based on the exposure as allocated for premium purposes) individually, even if an aggregate limit may limit exposure across multiple jurisdictions. For exposures which are otherwise not allocable to a particular jurisdiction, report under “Other/Not Subject to Allocation in a Particular Jurisdiction.” In the response for the United States as a whole (all locations covered by TRIP), report the policy’s total aggregate limit exposure. Include the total amount of the reporting insurer's liability exposure (and thus do not include amounts within a policyholder’s deductible, etc.). Use the limits of the liability insurance to calculate the insurer’s exposure. If the policy has an aggregate limit, use the aggregate limit. If the policy is subject to a per occurrence limit and not an aggregate limit, use the single occurrence limit. Where a policy is not subject to a defined limit of liability, estimate exposure using a maximum probable loss model.
J6-J17	Total 2021 TRIP-Eligible Limits of Liability (Terrorism Risk Coverage Provided and NBCR Risks Not Excluded)	For each corresponding TRIP-eligible line of insurance listed in Cells B6-B17, provide the insurer’s total 2021 liability exposure under all 2021 policies where terrorism risk coverage was provided in connection with liability coverage and where the policy does not exclude coverage for nuclear, biological, chemical, and radiological (NBCR) risks. Use the same instructions as identified above for reporting policy limits generally. To the extent liability policies that provide coverage for terrorism risk do not contain exclusions for NBCR risks, the figures entered in J6-J17 will be the same as the figures reported in I6-I17. To the extent liability policies that provide coverage for terrorism risk do contain exclusions for NBCR risks, the figures entered in J6-J17 will be a lesser subset of the amount reported in I6-I17. To the extent any of the insurer’s policies provide coverage for some, but not all, risks within the NBCR category, assume that policies provide full NBCR coverage.
K6-K17	Total 2021 Policyholder Deductibles for TRIP-Eligible Liability Policies (Terrorism Risk Coverage Provided)	For each corresponding TRIP-eligible line of insurance listed in Cells B6-B17, provide total deductible or retention exposure retained by policyholders under the policies reported in Cells I6-I17. Assume a maximum loss. If the policy has a per occurrence deductible or per claim deductible, use the respective deductible. If the policy has an aggregate deductible limit, use the aggregate deductible limit rather than a per occurrence or per claim deductible. For excess policies, do not include amounts of underlying insurance covered by other insurance policies, or the deductible amounts under those underlying policies.
L6-L17	Total 2021 Limits of Liability for TRIP-Eligible Policies (Terrorism Risk Coverage Declined)	For each corresponding TRIP-eligible line of insurance listed in Cells B6-B17, provide the insurer’s total 2021 liability exposure in TRIP-eligible lines, where terrorism risk coverage was not obtained by the policyholder. Enter the amount for each jurisdiction (based on the exposure as allocated for premium purposes) individually, even if an aggregate limit may limit exposure across multiple jurisdictions. For exposures which are otherwise not allocable to a particular jurisdiction, report under “Other/Not Subject to Allocation in a Particular Jurisdiction.” In the response for the United States as a whole (all locations covered by TRIP), report the policy’s total aggregate limit exposure. Include the total amount of the reporting insurer's liability exposure (and thus do not include amounts within a policyholder’s deductible, etc.). Use the limits of the liability insurance to calculate the insurer’s exposure. If the policy has an aggregate limit, use the aggregate limit. If the policy is subject to a per occurrence limit and not an aggregate limit, use the single occurrence limit. Where a policy is not subject to defined limit of liability, estimate exposure using a maximum probable loss model.
M6-M17	Total 2021 Policyholder Deductibles for TRIP-Eligible Liability Policies (Terrorism Risk Coverage Declined)	For each corresponding TRIP-eligible line of insurance listed in Cells B6-B17, provide total deductible or retention exposure retained by policyholders under the policies reported in Cells L6-L17. Assume a maximum loss. If the policy has a per occurrence deductible or per claim deductible, use the respective deductible. If the policy has an aggregate deductible limit, use the aggregate deductible limit rather than a per occurrence or per claim deductible. For excess policies, do not include amounts of underlying insurance covered by other insurance policies, or the deductible amounts under those underlying policies.
N6-N17	Total 2021 Payroll for TRIP-Eligible Policies (Terrorism Risk Coverage Provided)	Provide total 2021 payroll for excess workers’ compensation policies in Cell L13. Completion of Cell L12 (total 2098 payroll for workers’ compensation) is not required. This information will be provided on the insurer’s behalf by NCCI, the California WCIRB, and/or the New York CIRB.

Instructions for Places of Worship (Nationwide) Worksheet

Places of Worship (Nationwide)
Section	Field Name	Comments
C4	NAICS Code 813110	Reporting insurers should categorize information under: (1) NAICS Codes, (2) SIC Codes, (3) ISO Class Codes, or (4) Other to allocate premium on this worksheet. Cells C4 and D4 list the North American Industrial Classification System (NAICS) industry code number for Religious Organizations. Cells C5 and D5 list the Standard Industrial Classification System (SIC) industry code number for Religious Organizations. Cells C6 and D6 list the individual ISO class codes (property and liability) for Religious Organizations. Other permits a reporting insurer to use a different methodology to identify the requested premium information for Places of Worship, such as a manual sorting of individual policyholder names, or some other method calculated to identify the premium of the reporting insurer associated with Places of Worship. When using this methodology, do not include premium associated with affiliated operations, such as schools or hospitals.
D4
C5	SIC Code 8661
D5
C6	ISO Class Codes 0900 (Property) or 41650 (Liability)
D6
C7	Other
D7
E4	Total 2021 DEP Charged for Terrorism Risk Coverage (Property)	For each corresponding industry code, provide the amount of 2021 DEP charged for terrorism risk under property policies issued to Places of Worship. Only utilize one of the reporting methods (NAICS, SIC, ISO, or Other) identified. To the extent your premium is coded by the specific identified NAICS, SIC, or ISO codes, you may report all of the premium associated with those specific codes. Follow these same instructions for reporting for the balance of the reporting fields in this worksheet. This figure, representing premium charged for terrorism risk, should be a component of the amount provided in Column G.
E5
E6
E7
F4	Total 2021 TRIP-Eligible DEP (Terrorism Risk Coverage Declined) (Property)	For each corresponding industry code, or utilizing the Other category for some other calculation, provide the total 2021 DEP of property policies, where terrorism risk coverage was not provided to the policyholder. Include premium in this column only if a policy did not provide any coverage subject to TRIP.
F5
F6
F7
G4	Total 2021 TRIP-Eligible DEP (Terrorism Risk Coverage Provided) (Property)	For each corresponding industry code, or utilizing the Other category for some other calculation, provide the total 2021 DEP of property policies, where terrorism risk coverage was provided to the policyholder. Include premium in this column only if a property policy provided coverage subject to TRIP. Include policies where terrorism risk coverage was provided at no charge.
G5
G6
G7
I4	Total 2021 DEP Charged for Terrorism Risk Coverage (Liability)	For each corresponding industry code, or utilizing the Other category for some other calculation, provide the amount of 2021 DEP charged for terrorism risk under liability policies. This figure, representing premium charged for terrorism risk, should be a component of the amount provided in Column K.
I5
I6
I7
J4	Total 2021 TRIP-Eligible DEP (Terrorism Risk Coverage Declined) (Liability)	For each corresponding industry code, or utilizing the Other category for some other calculation, provide the total 2021 DEP of liability policies, where terrorism risk coverage was not provided to the policyholder. Include premium in this column only if a policy did not provide any coverage subject to TRIP.
J5
J6
J7
K4	Total 2021 TRIP-Eligible DEP (Terrorism Risk Coverage Provided) (Liability)	For each corresponding industry code, or utilizing the Other category for some other calculation, provide the total 2021 DEP of liability policies, where terrorism risk coverage was provided to the policyholder. Include premium in this column only if a liability policy provided coverage subject to TRIP. Include policies where terrorism risk coverage was provided at no charge.
K5
K6
K7
M4	Total 2021 DEP Charged for Terrorism Risk Coverage (Workers’ Compensation)	No entry required. This information will be reported on the insurer’s behalf by NCCI, the California WCIRB, and/or the New York CIRB. Do not report information in these cells, even if the insurer issues Excess Workers’ Compensation insurance.
M5
M6
M7
N4	Total 2021 TRIP-Eligible DEP (Workers’ Compensation)	No entry required. This information will be reported on the insurer’s behalf by NCCI, the California WCIRB, and/or the New York CIRB. Do not report information in these cells, even if the insurer issues Excess Workers’ Compensation insurance.
N5
N6
N7

Instructions for Reinsurance (Nationwide) Worksheet

Note: This Worksheet is set up as a questionnaire, with certain amounts requested, yes or no answers sought, and associated explanation to the extent necessary. As a result, and unlike the other worksheets, the data sought may be more easily obtainable from an individual with knowledge of the reinsurance arrangements of the reporting entity, as distinguished from the mechanism of data queries to existing systems. The questions are limited to reinsurance purchased from unaffiliated third-party companies, and do not include reinsurance transactions within a group of affiliated insurers. Figures should include only purchased treaty reinsurance, and not purchased facultative reinsurance.

Reinsurance (Nationwide)
Section	Field Name	Comments
C3-D3	Size of TRIP 2021 Deductible (Cell H4 of Insurer Group Affiliations Worksheet x 20%)	Provide the insurance group or company’s 2021 TRIP deductible. This figure is calculated based upon the 2020 TRIP-Eligible DEP, which is reported in Cell H4 of the Insurer Group Affiliations Worksheet.
C4-D4	Total 2021 Limits Any One Loss of Purchased Treaty Reinsurance Covering TRIP Loss	For reinsurance purchased by the insurance group or company, provide the per loss limit for losses subject to TRIP.
C5-D5	Total 2021 Aggregate Limits of Purchased Treaty Reinsurance Covering TRIP Loss	For reinsurance purchased by the insurance group or company, provide the 2021 maximum aggregate reinsurance limit per calendar year for losses subject to TRIP.
C6-D6	2021 Attachment Point Any One Loss of Purchased Treaty Reinsurance Covering TRIP Loss	For treaty reinsurance purchased by the insurance group or company, provide the 2021 attachment point for losses subject to TRIP.
C7-D7	2021 Co-Participation Share Any One Loss of Purchased Treaty Reinsurance Covering TRIP Loss	For treaty reinsurance purchased by the insurance group or company, provide the 2021 co-participation share for losses subject to TRIP exposure.
C8-D8	Total 2021 Limits Any One Loss of Purchased Treaty Reinsurance Covering Natural Catastrophe Loss	For reinsurance purchased by the insurance group or company, provide the per loss limit for losses subject to TRIP. Include losses in all lines of insurance, whether or not subject to TRIP.
C9-D9	Total 2021 Aggregate Limits of Purchased Treaty Reinsurance Covering Natural Catastrophe Loss	For treaty reinsurance purchased by the insurance group or company, provide the 2021 maximum aggregate reinsurance limit per calendar year for natural catastrophe losses. Include losses in all lines of insurance, whether or not subject to TRIP.
C10-D10	2021 Attachment Point Any One Loss of Purchased Treaty Reinsurance Covering Natural Catastrophe Loss	For treaty reinsurance purchased by the insurance group or company, provide the 2021 attachment point for natural catastrophe losses. Include losses in all lines of insurance, whether or not subject to TRIP.
C11-D11	2021 Co-Participation Share Any One Loss of Purchased Treaty Reinsurance Covering Natural Catastrophe Loss	For treaty reinsurance purchased by the insurance group or company, provide the 2021 co-participation share, if any, for natural catastrophe losses.
C12-D12	Any Reinsurance Exclusions for TRIP Certified Foreign Acts of Terrorism?	Select whether during any reinsurance purchased in 2021 had any exclusions for TRIP-certified acts of terrorism caused by foreign individuals or actors.
C13-D13	Any Reinsurance Exclusions for TRIP Certified Domestic Acts of Terrorism?	Select whether during any reinsurance purchased in 2021 had any exclusions for TRIP-certified acts of terrorism caused by domestic acts of terrorism.
C14-D14	Reinsurance for NBCR WC Exposures Resulting from Certified Acts of Terrorism?	Select whether any reinsurance purchased in 2021 provided any coverage for workers' compensation losses involving TRIP-certified acts of terrorism resulting from nuclear, biological, chemical or radiological (NBCR) exposures.
C15-D15	If Yes, 2021 Limits Any One Loss of NBCR Reinsurance for Certified Acts of Terrorism involving WC Loss	If the response in Cell C14 was “yes”, provide the per loss limit for workers' compensation losses involving TRIP-certified acts of terrorism resulting from NBCR exposures. The figure in C15 should be no more than the figure reported in C4 and may be less than the figure reported in C4 if reinsurance purchased for NBCR risk was less than reinsurance purchased for other types of terrorism claims.
C16-D16	If Yes, 2021 Attachment Point Any One Loss of NBCR Reinsurance for Certified Acts of Terrorism involving WC Loss	If the response in Cell C14 was “yes”, provide the 2021 attachment point for workers' compensation losses involving TRIP-certified acts of terrorism resulting from NBCR exposures.
C17-D17	If Yes, 2021 Co-Participation Share (if any) Any One Loss of NBCR Reinsurance for Certified Acts of Terrorism involving WC Loss	If the response in Cell C14 was “yes”, provide the 2021 co-participation share any one loss for workers' compensation losses involving TRIP-certified acts of terrorism resulting from NBCR exposures.
C18-D18	Reinsurance for NBCR Property Loss Resulting from Certified Acts of Terrorism?	Select whether any reinsurance purchased in 2021 provided any coverage for property losses involving TRIP-certified acts of terrorism resulting NBCR exposures.
C19-D19	If Yes, 2021 Limits Any One Loss of NBCR Reinsurance for Certified Acts of Terrorism involving Property Loss	If the response in Cell C18 was “yes”, provide the per loss limit for property losses involving TRIP-certified acts of terrorism resulting from NBCR exposures. The figure in C19 should be no more than the figure reported in C4 and may be less than the figure reported in C4 if reinsurance purchased for NBCR risk was less than reinsurance purchased for other types of terrorism claims.
C20-D20	If Yes, 2021 Attachment Point Any One Loss of NBCR Reinsurance for Certified Acts of Terrorism involving Property Loss	If the response in Cell C18 was “yes”, provide the 2021 attachment point for property losses involving TRIP-certified acts of terrorism resulting from NBCR exposures.
C21-D21	If Yes, 2021 Co-Participation Share (if any) Any One Loss of NBCR Reinsurance for Certified Acts of Terrorism involving Property Loss	If the response in Cell C18 was “yes”, provide the 2021 co-participation share for property losses involving TRIP-certified acts of terrorism resulting from NBCR exposures.
C22-D22	Reinsurance for NBCR Liability Loss Resulting from Certified Acts of Terrorism?	Select whether any reinsurance purchased in 2021 provided any coverage for liability losses involving TRIP-certified acts of terrorism resulting from NBCR exposures.
C23-D23	If Yes, 2021 Limits Any One Loss of NBCR Reinsurance for Certified Acts of Terrorism involving Liability Loss	If the response in Cell C22 was “yes”, provide the per loss limit for liability losses involving TRIP-certified acts of terrorism resulting from NBCR exposures. The figure in C23 should be no more than the figure reported in C4 and may be less than the figure reported in C4 if reinsurance purchased for NBCR risk was less than reinsurance purchased for other types of terrorism claims.
C24-D24	If Yes, 2021 Attachment Point Any One Loss of NBCR Reinsurance for Certified Acts of Terrorism involving Liability Loss	If the response in Cell C22 was “yes”, provide the 2021 attachment point for liability losses involving TRIP-certified acts of terrorism resulting from NBCR exposures.
C25-D25	If Yes, 2021 Co-Participation Share (if any) Any One Loss of NBCR Reinsurance for Certified Acts of Terrorism involving Liability Loss	If the response in Cell C22 was “yes”, provide the 2021 co-participation share for liability losses involving TRIP-certified acts of terrorism resulting from NBCR exposures.
C26-D26	Any Other Reinsurance Exclusions Specifically Applicable to Certified Acts of Terrorism Under TRIP?	In Cell C26, select whether the insurance group or company’s 2021 reinsurance contracts contained any additional exclusions that could preclude coverage for losses involving TRIP-certified acts of terrorism. In Cell D26, identify the exclusion(s).
C27-D27	ZIP Code Associated with Largest Probable Maximum Loss (PML)	Provide the ZIP code for the insurer group or company's largest Probable Maximum Loss (for all lines) at a single street level address location. Assume the detonation of a 5-6 ton truck bomb at that location (use the blast size within the range that the insurer typically uses in connection with such analyses).
C28-D28	Largest PML at a Single Location (Amount)	Provide the amount of the insurer group or company's largest Probable Maximum Loss (for all lines) at the location identified in Cell C27. Assume the detonation of a 5-6 ton truck bomb at that location (assume a blast size resulting from such a bomb within the range that the insurer typically uses in connection with internal modeling projections). Include the amount of the reporting insurer's gross loss (above any deductible or retention of the policyholder and not including private reinsurance recovery or TRIP claim).

OMB No. 1505-0257

Expiration: November 30, 2023