Date of Award

Spring 2021

Degree Name

Bachelor of Arts


Public Policy and Law

First Advisor

Adrienne Fulco

Second Advisor

Sean Fitzpatrick


For decades, both state and federal governments have taken a larger role in the property and casualty market. The National Flood Insurance Plan directly writes policies. In contrast, the California Fair Access to Insurance Requirement establishes a last-resort insurance pool for those unable to find certain types of coverage through conventional means. Finally, the Terrorism Risk Insurance Act establishes a federal reinsurance backstop in the event of a severe terror loss. While each program seeks to expand property and casualty coverage, some have been more successful than others. This thesis examines the efficacy of each program and provides reform suggestions.


Senior thesis completed at Trinity College, Hartford CT for the degree of Bachelor of Arts in Public Policy and Law.