'No Terrorism' Insurance Policy Insufficient

June 30, 2008
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Facts: A tenant entered into a lease agreement that required the purchase of insurance coverage for damages as a result of specific harms including smoke, riot, crashing airplanes, and “civil commotion.” The lease agreement did not specifically require coverage for terrorist attacks. The tenant purchased a post-September 11 insurance policy that included an explicit exception for all damage as a result of terrorism.

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