Disasters consequences directly affect not only the interests of insurance companies and reinsurance business, the state budget is subject to considerable stress, which is especially true for countries with low per capita GDP index.

As practice has shown, even joint efforts of insurance and reinsurance companies cannot “digest” the catastrophic event worth 60–100 billion dollars.

As the root causes of terrorism as a phenomenon can not be completely eliminated in the short term, the risk of this category gets a very substantial weight in the emerging models of the catastrophe insurance.