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Insurance against terror attacks must adapt to face up to the threats posed by so-called lone-wolf militants and the rise of cybercrime.

That’s the view of Julian Enoizi of Pool Reinsurance Co., the U.K. government-linked body that backstops insurers against terror-related payouts. The spate of recent attacks in the nation’s capital and the suicide bombing of a Manchester pop concert in May highlighted shortcomings in coverage that need to be addressed, he said.

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