Our industrial property insurance cover supports you in the event of major damage
It can happen at any time: a fire breaks out in production facilities or business
premises are flooded following prolonged torrential rain. In such extreme situations
companies need an experienced insurance partner: HDI knows what to do and provides
insurance against these types of risks.
HDI’s property insurance provides cover arising from loss or damage to business
property and the resulting business interruption. The territorial scope of cover
can be extended worldwide within the framework of our International Insurance Programmes
policy, which can include cover for natural disasters. HDI Risk Consulting provides
pragmatic solutions for clients to reduce their risks and prevent damage before it
Our decentralised claims management system enables HDI to ensure
that the necessary decisions and actions are taken quickly when damage occurs. Our
prompt actions have one key objective to safeguard the production capabilities of
the company concerned and to reduce any consequential damage to the business.
Scope of services at a glance
Based on a business risk analysis, HDI provides specific insurance cover for property
and business interruption risks. This insurance cover is based on consistent, transparent
and comprehensible contractual terms.
Agreed compensation for property damage to buildings, production facilities, machinery
Risk-adjusted configuration of insured values.
Extensive support on precautionary fire-prevention measures to reduce the risks
of fire and explosion.
Peace of mind right round the globe
Access to its own global network enables HDI to provide global insurance through its international insurance programmes. Local policies can be issued locally in 37 countries by HDI group subsidiaries and in more than 100 countries by HDI network partners.
Always up to date
The ‘Reporting International Programmes Web’ (IP-Web) platform provides time and location independent access to premiums and claims information. This data is updated regularly.
Uniform global insurance cover
Local policies that provide cover against specific risks in local operations combined with the master policy provide cover to a uniform global standard to work together within international insurance programmes. This means that global insurance cover has clarity through a self-contained product.
Consistently high capacity
HDI offers significant capacity to provide cover for exceptional risks. Companies can rely on the financial performance of HDI, as an industrial insurer, within the financially strong and well-resourced Talanx Group.
Taking fire-prevention action in good time
Risk engineers at HDI Risk Consulting with expertise in a range of different specialisms
provide support to companies on all Risk Consulting issues. One focus is fire prevention,
starting with advice on fire-prevention systems through to the appointment of a fire-prevention
officer. Site inspections are conducted with the client and risk improvement actions
for operational risk management are agreed.
Rapid, uncomplicated claims settlement
Claims handlers are based in local HDI offices and supported by claims specialists
in HDI Head Office. This ensures that claims adjusters are quickly on site at any
location worldwide – irrespective of where the loss has occurred. As a result
all the necessary decisions for limiting loss or damage can be taken quickly, and
claims compensation paid promptly.
Targeted avoidance of loss of sales and income
Using our supply-chain analysis tool, clients can identify areas in which an increased risk of contingent business interruption (CBI) losses exists and can counteract these risks.