According to Wikipedia, terrorism Insurance is insurance purchased by property owners to cover their potential losses and liabilities that might occur due to terrorist activities. It is often offered separately or as a special endorsement to your standard commercial property insurance policy coverage.
However, many terrorism coverage endorsements contain exclusions like nuclear, biological, chemical or radiological materials (NBCR) related events.
Whether you should buy terrorism coverage or not depends largely on your business location, insurance costs and type of business. Take a closer look and then decide if it is for you and your business.