Book excerpt: This primer, FEMA 429, Insurance, Finance, and Regulation Primer for Terrorism Risk Management in Buildings, is a part of the Multihazard Risk Management Series of publications that addresses terrorism risk in buildings. The objective of this primer is to introduce the building insurance, finance, and regulatory communities to the issue of terrorism risk management in buildings and the tools currently available to manage that risk. Insurance, finance and regulation are considered the 'change levers' of the built environment. They are the principal mechanisms for the evaluation and management of risk exposure in buildings. These change levers play a critical role in introducing and maintaining standards for risk management and public safety.