What the programme should address

Property and machinery

Physical assets, equipment breakdown and recovery costs.

Business interruption

Lost gross profit, additional expense and dependent operations.

Liability

Injury, product, professional and management claims.

Cyber and crime

Digital interruption, data events and technology-enabled fraud.

Risk review priorities

• Map critical sites, suppliers and revenue dependencies.
• Calculate maximum foreseeable loss and realistic recovery periods.
• Align policy definitions across property, cyber and liability.
• Review contracts, indemnities and insurance obligations.
• Test claims responsibilities before renewal.

Scenarios to test

1. A fire damages one production line and stops a wider site.
2. A cloud provider failure interrupts customer services.
3. A product event produces recall and liability costs.
4. A key supplier loss delays revenue for six months.

For each scenario, identify the affected policy, trigger, deductible, sublimit, waiting period, recovery time and uninsured amount. Treat any gap as an explicit retained risk rather than an assumption.

How Kompetenz supports the placement

We translate operational and contractual information into a structured insurance submission, compare policy wording across markets and help establish a claims-ready programme with clear responsibilities.

Conclusion

A coordinated corporate programme converts isolated policies into a financing strategy for operational resilience.

Next step: Request a tailored Business insurance review from Kompetenz.