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Are there any smaller or regional carriers that have opted to not bother with a terrorism exclusion on property insurance?

I have some apartment complexes with lenders requiring terrorism cover, but stand-alone cover seems inefficent.

If the pricing on the BOP is too high, you can access a wholesaler who can tap the Lloyds market for you. As well, the Lloyds marketplace doesn't define Terrorism as narrowly as the Federal govt., and sometimes the banks require that broader definition.

If you'd like to chat more, PM me.

And have a great day!