# NAII Urges Terrorism Exclusions for Personal, Commercial Lines 

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The National Association of Independent Insurers (NAII) is urging state insurance regulators to consider personal lines exclusions on a case-by-case basis for insurers that demonstrate the potential for solvency problems stemming from a lack of reinsurance. 

Absent the proposed federal backstop reinsurance legislation, insurers caution that losses from Sept. 11 and a hardening market have dried up the availability of reinsurance for both commercial and personal lines. 

"Personal lines and "main-street" commercial lines insurers, as well as small and medium-sized insurance companies, may or may not be able to appropriately spread terrorism risks without the assistance of reinsurance," explained Robert Zeman, NAII vice president and assistant general counsel, in a letter to Georgia Insurance Commissioner John W. Oxendine.

Sources:
- Insurance Journal (http://www.insurancejournal.com/html/ijweb/breakingnews/national/na0102/na0130021.htm)