テロは不担保ですが

Any determination of insured losses will have to take into
account the destruction of the World Trade Center towers;
business and personal property of tenants and their employees;
workers' compensation for injured workers; claims for lost
business income; and the cost of establishing alternative,
temporary operations at off-site locations.
The U.S. government is self-insured, so physical loss to
government buildings is not a commercial insurance issue.
Insured commercial businesses within the Pentagon, for example,
could incur insured losses.