The scope of cover varies from one insurer to another, but usually includes the following risks:
- Attack on human lives leading to bodily harm or death
- Kidnapping and holding hostages
- Destruction of government or public facilities, transport systems, infrastructure including information systems, public places or private property, which endangers human lives and leads to economic losses
- Abduction of an aircraft, ship or other means of transport for the transport of persons or cargo
- Preparation and use of weapons, explosives, including nuclear, biological or chemical weapons, to endanger human lives and health
- Disruption or interruption of water, electricity or other energy supplies to endanger human life and health