Property and Business Interruption

Our clients are likely to be risk aware, understanding and operating within the principles of risk management, taking a proactive approach to risk control and not just looking for risk transfer.


Scope of services at a glance

Property insurance

We offer Property and Business Interruption covers, focusing on industrial and commercial businesses, with a bias towards the manufacturing sector, including ‘heavy’ manufacturing; car manufacturing, power utilities, chemicals, plastics and food. We can develop bespoke wordings for specific clients and industries.


Highlights

Peace of mind right round the globe

HDI is able to issue local policies for clients in over 130 territories through our global network of owned offices, network partners, non-network partners and joint ventures. The controlling office is the decision maker on risks in all countries in the programme, including US risks.

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.

Consistently high capacity

We rank among the largest Property lead capacity providers in the market.  Clients can rely on the financial performance of HDI, as an industrial insurer, within the financially well-resourced Talanx Group.


Risk Consulting

Taking fire-prevention action in good time

Our approach to providing risk engineering services is highly distinctive.

For a start we take a pragmatic approach to risk management – recognising the client’s business circumstances and budgets. Our UK based risk engineers are highly experienced and come from a wide range of industry backgrounds. They understand the client’s business and speak their language.

Our UK team is part of a global network of over 170 engineers, giving us access to globally recognised specialists in particular areas of risk and the scope to service clients’ risk management needs, however geographically diverse.


Claims management


Rapid, uncomplicated claims settlement

Our highly experienced claims team works closely with our underwriters to provide a fast and efficient claims handling service. Our philosophy is to be always approachable and available to our clients and their advisors. We use our industry and client specific knowledge to inform every step in claims handling. We adopt a collaborative and constructive approach, operating with sensitivity to the client’s business circumstances.  

Our overall goal is to achieve a fair resolution of the claim, minimising the impact of a loss on the client’s business and preserving the client’s business reputation.


Experts’ tip

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.