Terrorism insurance is considered to be a difficult product for insurance companies as the odds of any attack are very difficult to forecast and the potential liability enormous. This predicament, however, is not limited to large scale attacks on nations and economies it also relates to 'low impact' attacks on commerce and tourism, such as attacks on international hotels or on ships on the high seas. The joint factors of location, occupation, uncertainty and potentially huge losses make the setting of premiums a complex task. This results in an insurance premium overkill that often does not justify the true risk level of the client. CyberCell, with the assistance and close guidance of international insurance experts, has developed a proven terrorism and crime risk insurance methodology that provides a quantitative and qualitative tool for insurance policy purposes CyberCell's terror and crime risk insurance assessments may save corporations significant insurance-related expenses by assessing the company's true risk and recommending mitigation strategies, if required, that can reduce those risks and costs.