Nearing adjournment of the U.S. Congress session has sparked concerns among property and casualty insurers that legislation will not be passed this year allowing for the creation of a federal government-backed terrorism insurance mechanism. The National Association of Independent Insurers (NAII), which represents 715 member companies, is the latest organization to issue a call to Congress to act swiftly in finalizing legislation on a terrorism insurance program. NAII notes that insurance markets in the U.S. for terrorism coverage remain troubled, particularly for commercial property, workers’ compensation and group life lines. "NAII strongly supports a temporary federal terrorism reinsurance program that is simple in concept and administration, with the least amount of federal regulatory intervention. Any federal program should provide for a true risk-sharing mechanism in the short run until the [insurance] industry market mechanisms can respond," says Carl Parks, senior vice president for government relations at NAII.