The US Senate has passed legislation which requires the federal government to cover losses from terrorist attacks.
Passed by the House last Thursday, the bill ensures the government pays up to $100bn (£62bn) in terrorism losses for three years.
The legislation requires commercial insurers to begin offering terrorism coverage.
They had originally provided it free with commercial coverage until the attacks last year at the World Trade Centre.
While the legislation provides for unlimited availability, it does not address price concerns.
According to Reuters, some US insurance executives claim costs will remain high until companies can better gauge their losses.
Companies also claimed the legislation is will have little effect on the soaring price of other commercial coverages.
