Industrial liability: insurance against claims for damages

Liability insurance is essential for companies. An event can occur at any time, resulting in major damage to property and/or personal injury. For manufacturers this applies particularly to the possible consequences of product defects. Companies are then confronted with claims for damages. Claims for damages could put the continued existence of a company at risk. This also applies to a product recall intended to avoid further damage or injury. The current legal environment leads company to pay great attention to their liability insurance as the costs of damages compensation to third party are more and more complex and important.

Scope of services at a glance

Public liability and product liability insurance

Insures against personal injury and damage to property up to an agreed sum. HDI handles validation of claims for damages and ensures that valid claims are settled. Liability is in the core business of HDI who enjoys leading reputation in its targeted activity sector.


Professional, real-world know-how

HDI has acknowledged expertise in providing guidance for and managing liability claims, settlement discussions and mediation processes. Over 100 years of experience as HDI was founded by Rheir industrial leaders to compensate for the lack of available capacity in GL in 1903.

Globally consistent liability cover and compliance

International insurance programmes including USA and Canada, that factor in the specifics and requirements of individual countries provide global insurance cover for a company’s worldwide business activities.

Claims management

Expert assistance in the event of major claims

HDI has many years of claims adjusting and settlement experience, including in highly litigious environments such as the USA. Major international claims are managed and settled by multilingual in-house liability experts in collaboration with local licensed lawyers. HDI partners with a network of experts to analyse and evaluate such claims. In the event of a claim, policyholders can rely on our proven single-source international claims management system.

Liability risk management

The mix of various instruments

Risk tools

Sector-specific tools and expert systems enable systematic risk analysis to be performed. Continuous market observation, wide-ranging claims experience and sector expertise all lay the foundations for the appropriate risk-assessment standards to which we work.

In brief

  • Capacity: €250M.
  • Minimum premium: €20,000.
  • Strategy: Lead business or significant co-insurance.
  • International programmes, including USA, and dedicated teams.