Risk fields

When we think about risk, we consider it holistically. Instead of zeroing in on specific risks, companies should analyse their risk situation comprehensively. In addition to traditional risks such as vehicle, transport or property damage, new risks are increasingly coming into focus. After all, megatrends such as digitisation or globalisation do affect a company’s risk situation. Is your company protected against the consequences of a cyber attack? Do you have a contingency plan for a sudden business interruption? And in a world where businesses are becoming more and more global, have you considered political risks as well? We provide an overview of the relevant risks for companies – just click to learn more!

New risks

Reputation risks

A bad image can be expensive. Values such as reliability, responsibility and trust are therefore particularly worthy of protection for companies. Individual insurance solutions come to the aid here. 

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Political risks

Globalisation connects companies with partners and clients all over the world. This internationality brings with it new challenges, because political developments can have a direct impact on business success.

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Risks in M & A processes

In a constantly changing market environment, transactions are the key to the success and future viability of companies – but they also come with many risks.

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Cyber risks

In the digitised world, cyber attacks today can have serious consequences. IT alone cannot overcome these growing challenges. Companies should therefore consider the matter holistically and act accordingly. 

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Business interruption

Natural disasters, hacker attacks or failures in the supply chain – lots of things can cause interruptions to regular business operations and impact every company. This is especially true as competition becomes increasingly globally connected.

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Traditional risks

Material damage and business interruption risks

Some of the risks to companies that are the most difficult to calculate are damage to company buildings, production facilities and inventory, for example because of fire or theft. Property insurance is therefore a basic protection a company should have.

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Professional risks

Each company faces a range of potential financial losses that could threaten its existence. Reliable protection must take both the specific needs of a company and the entire range of products and services on the insurance market into account.

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Vehicle risks

Having a fleet of vehicles ready for use is a decisive success factor for many companies. The risks that are associated with the procurement and operation of company vehicles vary according to the industry, company structure and size of the fleet.

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Liability risks

The potential liability of companies varies depending on the industry, clientele or even export activities. Nevertheless, the essential importance of liability insurance is something that all companies have in common: even small mistakes can lead to severe losses.

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Technical risks

Many industrial sectors depend on the operation of complex technical equipment or machinery. This comes with risks: alongside material damage, the resulting business interruption losses can have serious implications.

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Credit risks

Despite trade networks becoming increasingly complex, trading firms and manufacturers often only supply their products to one or a few main clients – even today. Should one of these main clients fail to pay, a company can quickly find itself facing substantial losses that threaten its very survival.

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Accident risks

An accident happens quickly – be it because of carelessness, force majeure or malicious mischief. Statutory accident insurance will cover accidents that occur whilst at work or on the way to and from work. Nevertheless, the benefits of this insurance are usually inadequate.

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Transport risks

Goods transportation on the road and train, as freight by air and sea, has always been an essential part of global economic trade. Transport routes are becoming longer, transport chains more complex and the risks ever more complicated in the course of globalisation.

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