Insurance exclusions for war and terrorism
Reports 11.12.2025
Over the last year and a half, there have been several serious incidents in Poland in which the prosecutor’s office has filed charges of sabotage and terrorist offences. In such situations, are businesses and individuals protected by their property insurance policies?
The property insurance policies available on the market, such as homeowner’s insurance, automobile insurance, coverage of business property, and construction and installation insurance, typically exclude the insurer’s liability for loss caused by war, hostile acts, terrorism or sabotage. These clauses have been purely hypothetical, but recent events in Poland are leading to a reconsideration of their interpretation and application.
