In December 2008, the National Football League (NFL) announced it had obtained protection under the Support Anti-Terrorism by Fostering Effective Technologies Act of 2002, or SAFETY Act. After the government approved the league's stadium security guidelines, the NFL was granted a liability exemption against future claims stemming from an attack at any of the US' stadiums where NFL games are played. The SAFETY Act was crafted to provide broad-based liability limitations and caps to companies that develop and deploy anti-terrorism programs. It can be an effective tool in reducing terrorism risk, though insureds must understand how it functions. The SAFETY Act is not a government-provided insurance indemnification program.