Products

At RiskPoint we offer a broad range of insurance products for commercial clients.

Our insurance offering includes all traditional types of insurances, but also niche areas such as directors and officer’s liability insurance, solutions for the Renewable Energy Sector, W&I and Aviation.

Building on our long experience with developing and underwriting commercial insurances, we focus on retaining and expanding our expertise in risk assessment and particular product development within our chosen types of insurance, thereby ensuring the quality of our products.

Below you will find a description of each product and our capabilities.

About the products

Management Liability Insurance, D&O

A managers liability insurance offers cover for the personal liability management that may incur as part of their job.

At RiskPoint we offer the Managers Liability Insurance or D&O insurance for most business’ including:

  • Privately held companies. (From small to large businesses)
  • Government owned companies
  • Publicly listed companies
  • Financial Institutions
  • Trust funds

We offer insurance for the following:

  • Prospectus liability D&O
  • Pension Trust liability
  • Employment Practice Liability
  • Entity Cover for securities claims

We can offer up to EUR 35M capacity.

Download

For more information on this product,
please download the datasheet.

Download Datasheet (PDF)

Professional Liability Insurance, PI

We offer professional liability insurance / professional indemnity insurance and extensions to almost all businesses.

Professional indemnity insurance is a professional liability insurance provides essential financial protection for professionals for claims made against them in carrying out their professional services.

At RiskPoint we offer this professional liability or E&O insurance for most professions including:

  • Lawyers
  • Accountants
  • Real-estate agents
  • PR/advertising consultants
  • Management consultants
  • Mortgage intermediaries
  • Insurance brokers
  • Medical workers
  • Engineers
  • Architects
  • Computer consultantsand many more.

For those professions that have shared insurance programs e.g. through their trade associations we offer coverage excess of such mandatory or shared industry programs.

We can offer up to DKK 180M / SEK 205M / NOK 180M / EUR 25M in capacity depending on the industry segment and the individual risk profile.

Download

For more information on this product,
please download the datasheet.

Download Datasheet (PDF)

Investment Manager Insurance

The Investment Manager Insurance offers cover for financial losses related to errors and omissions in investment advisory services.

In addition to the professional liability, the insurance also covers defense and investigation costs and also covers the managerial liability for the Directors & Officers and any other employee with a managerial liability.

At RiskPoint we offer the Investment Manager Insurance or IMI for:

  • Investment advisers
  • Private Equity funds
  • Venture funds
  • Mutual funds “Investeringsforeninger”
  • Real estate investment trusts (REITs)
  • Private real estate funds
  • Infrastructure funds

We can offer up to EUR 25M in capacity. In many cases if necessary, higher limits will be available.

RiskPoint currently has one of the markets best and broadest insurance conditions.

Download

For more information on this product,
please download the datasheet.

Download Datasheet (PDF)

M&A Insurance, W&I and Contingency risks

In the context of M&A transactions the parties often struggle to identify and not least value all potential risks and liabilities in the target business, despite doing extensive due diligence with the help of the very best specialist advisors.

As a tool to facilitate transactions we have developed a suite of insurance products, that allows they buyer and/or the seller to transfer such risks to the insurance market and thereby structure transactions that typically provided the buyer with less risk and better protection enabling them to pay a higher price for the business, while the seller on the other hand achieve the best possible price in combination with an exit with less or no retained risk or liabilities.

RiskPoint offer

  • Buyer side warranty & indemnity insurance
  • Sellers side warranty & indemnity insurance
  • Representations & warranty insurance
  • Title insurance
  • Coverage for tax deed liability
  • Litigation buy out
  • Contingency liability insurance

Typical customers

  • Private equity funds
  • Venture funds
  • Distressed sellers, or their buyers
  • Corporate buyers
  • Lawyers and corporate finance looking to provide better value to their M&A customers.

Download

For more information on this product,
please download the datasheet.

Download Datasheet (PDF)

Property Insurance, PD/BI

We offer Property Insurance to a broad range of companies and occupancies.

Property Insurance provides protection against most risks to property, such as fire, theft and certain weather damages. This can be provided as “all risk” or “named perils” such as fire insurance, flood insurance, earthquake insurance, boiler insurance and/or machinery breakdown. Cover can also include the related Business Interruption.

RiskPoint focus areas:

  • General Property & Energy
  • Renewables Energy
  • Terrorism (stand alone) – T3/T3A wording
  • CAR / EAR (Construction)

RiskPoint preferred structures:
We write and can participate on most structures within Property Insurance.

  • Primary
  • Excess of Loss
  • Quota Share
  • Co-Insurance
  • Re-Insurance (both behind Captives and direct writing insurance companies)

Download

For more information on this product,
please download the datasheet.

Download Datasheet (PDF)

Insurance for Renewable Energy

RiskPoint is offering complete insurance solutions for Renewable Energy.

Installations within Renewable Energy such as wind turbines and large solar farms etc. are large and advanced investments and do require bespoken insurance products. RiskPoint can offer “cradle to grave” solutions for even large and international projects.

RiskPoint focus areas:

  • Wind Turbines
  • Solar (Photo voltaic types)
  • Bio mass and similar types.

RiskPoint can offer:

  • Marine Cargo incl. ALOP
  • Construction (CAR) incl. DSU
  • Operational cover incl. BI

Extension:

  • Machinery Breakdown
  • Terrorism
  • Third Party Liabilty

General and products liability

We offer general and products liability insurance to almost all businesses.

General and products liability insurance provides essential financial protection for third parties claiming the insured to be liable in respect of a bodily injury or property damage claim.

Currently RiskPoint does not offer the insurance to the following industries:

  • Pharmaceutical

For those professions that have shared insurance programs e.g. through their trade associations or those in need of a higher individual limit we offer coverage excess of such shared industry or individual programs.

We can offer up to DKK 370M / SEK 420M / NOK 365M / EUR 50M in capacity depending on the industry segment and the individual risk profile. In some cases we would even consider offering additional capacity, depending on the risk profile.

Download

For more information on this product,
please download the datasheet.

Download Datasheet (PDF)

Contaminated Product Insurance, CPI

We offer Contaminated products insurance to almost all business within food and drink for human consumption.

Contaminated product insurance is essential to help companies manage threats to their products, brands, reputation, and financial sustainability.

At RiskPoint we offer this Contaminated product insurance to many professions including:

  • Manufacturers, processors, distributors and retailers of topical and ingestible products
  • Food, beverage, restaurants, cosmetics, pharmaceutical (OTC), tobacco

For those professions that have shared insurance programs e.g. through their trade associations or those in need of a higher individual limit we offer coverage excess of such shared industry or individual programs.

Coverage can include accidental contamination (up to USD25m / GBP12.5m) and malicious product tamper/product extortion (up to USD50m / GBP25m).

Download

For more information on this product,
please download the datasheet.

Download Datasheet (PDF)

First Party Recall, finished products

We offer first parties recall insurance to many business producing finished products (not components).

First parties recall insurance policies are designed to help manufacturers, wholesalers, retailers and distributors of non food products manage threats to their products, brands, reputation, and financial sustainability

At RiskPoint we offer this first party recall insurance to many professions including:

  • Finished goods manufacturers of consumer products (not component parts).
  • Toy and child-related products, sports and recreational equipment, household appliances, home electrical equipment, garden tools and products, packaging and containers, tools.

For those professions that have shared insurance programs e.g. through their trade associations or those in need of a higher individual limit we offer coverage excess of such shared industry or individual programs.

RiskPoint can if the risk is found suitable offer the insurance with limits up to USD 25M. If relevant higher limits can be available depending on the specific exposure.

Download

For more information on this product,
please download the datasheet.

Download Datasheet (PDF)

Environmental liability, EIL

We offer environmental liability insurance to almost all businesses.

Liability claims can be devastating for companies weather they occur as the result of pollution or something else. The environmental liability insurance closes the gab to the ordinary liability insurance.

Currently RiskPoint does not offer the insurance to the following industries:

  • Nuclear
  • Underground operation
  • Offshore activities
  • Operation of Oil pipelines

For those in need of a higher individual limit we offer coverage excess of individual programs.

RiskPoint can if the risk is found suitable offer the insurance with limits up to EUR 25M. If relevant higher limits can be available depending on the specific exposure.

Download

For more information on this product,
please download the datasheet.

Download Datasheet (PDF)

Kidnapping and Ransom Insurance, KRE

We offer kidnapping and ransom insurance to almost all businesses.

A kidnapping and Ransom insurance is designed to help organizations manage threats to employees, its brands, and its reputation

For those in need of a higher individual limit we offer coverage excess of individual programs.

RiskPoint can if the risk is found suitable offer the insurance with limits up to EUR 25M.  If relevant higher limits can be available depending on the specific exposure.

Download

For more information on this product,
please download the datasheet.

Download Datasheet (PDF)

Aviation Insurance

We offer aviation insurances for your aircraft

At RiskPoint we offer aviation insurances for liabilities and hull for:

Furthermore

in Denmark, Norway, Sweden and Finland; the Baltic region, Poland, the Czech Republic,
Germany and the United Kingdom.

Check our separate Aviation insurances website out, where each products has been described in details.
Direct link to our terms are here

Download Catalogue

For more information on this product,
please download the catalogue.
Download Catalogue(PDF)

Download proposal form

Please download and fill out the proposal form below to get a quote.
Please send the completed form to aviation[at]riskpoint.eu
Download proposal form (xls)

Download DULFU proposal form

Please download and fill out the DULFU proposal form below to get a quote.
Please send the completed form to aviation[at]riskpoint.eu
Download DULFU proposal form (xls)

Download Loss notification EN

Please download and fill out the Loss notification EN for your claim.
Please send the completed form to aviation[at]riskpoint.eu
Download Loss notification EN (.doc)

Accident & Health inc. Keyman

We offer Group Accident / Business Travel / Key Man/Career end insurance to a broad range of companies and job types.

A&H has a wide appetite for various ranges of risk types and we offer flexible wordings, coverages and sums insured.

Group Accident and Business Travel

  • We cover all types of companies (from large to small) private schools, public events, sport clubs, corporate events etc.
  • Local policies in the Nordic countries
  • Dangerous sport, MC and no age limit are standard coverages
  • Terrorism and War Zones can be included in the coverage
  • High sums – up to DKK 20 mill. (also as stand-alone)
  • Group Accident claims are handled in-house
  • Business Travel claims are handled by SOS International (24/7)

Key Man Insurance

  • Key Man insurance is designed to protect SMEs against long-term sick key employees.
  • Key Man insurance is especially designed for those companies that depend on security and economic stability in their daily work.
  • It is the company that receives the monthly compensation when the key employee becomes Long term sick.
  • The premium depends on job category, age, and sum. Coverages up to 24 months.
  • Cover from DKK 30 – 200.000 per month – also higher sums on request.
  • The insurance covers 24 hours a day, and 7 days a week, both sickness and accident.li>

Career end

  • Career end is offered for most sports.
  • Possible to combine career end with accidental death.
  • High sums are offered.

A&H

For more information on this product,
please download the catalogue.
Download Catalogue(PDF)

BTI

For more information on this product,
please download the catalogue.
Download Catalogue(PDF)

Keyman

For more information on this product,
please download the catalogue.
Download Catalogue(PDF)

IPR (Intellectual Property Rights) Coverage

All companies/inventors should think about how they manage and insure their intellectual rights

As continued globalization lead to expansions into new territories, which may result in infringement of patents or other intellectual rights in these new territories, regardless of non-infringement in the existing markets.

Territories

  • Worldwide Coverage can be offered to Nordic based Insureds with personnel and/or exposures anywhere in the world.

Prospective Clients

  • Appetite for: all types of companies

What Coverage do we offer?

  • Defence costs
  • Pursuit costs
  • Contractual disputes

Coverage Extensions

  • Market standard extensions are already featured in RiskPoint’s standard IPR products

What Limits do we offer?

  • Up to DKK 100,000,000

Download Catalogue

For more information on this product,
please download the catalogue.
Download Catalogue(PDF)

Fidelity insurance, Crime (excess basis)

Companies are constantly and increasingly faced with crime as they experience attempts from employees and/or third parties to steal, misuse or misappropriate monies/funds and physical goods.

Segregation of duties and double control may reduce the exposures but with human misconduct as the main driver for losses, such losses connected with criminal acts cannot be eliminated. The CRIME insurance covers the loss of the company by reason of crime and loss the company is liable for due to employee crime, and many related cost.

Territories

  • Worldwide. Coverage can be offered to Nordic based Insureds with personnel and/or exposures anywhere in the world.

Prospective Clients

  • Financial institutions
  •  Appetite for primary and excess insurance policies
  • Other types of entities
  •  Limited appetite for primary insurance policies
  •  Appetite for excess insurance policies

What Coverage do we offer?

  • First party (own) losses
  • Third party (business partners) losses
  • Some related costs

Coverage Extensions

  • Market standard extensions are already featured in RiskPoint’s standard CRIME products
  • RiskPoint offers to developing bespoke CRIME products

What Limits do we offer?

  • Up to EUR 20,000,000

Download Catalogue

For more information on this product,
please download the catalogue.
Download Catalogue(PDF)

Marine and Subsea equipment

We offer Insurance to a broad range of companies within the Marine and Subsea equipment sector.

Marine and Subsea equipment “all risk” insurance provides world wide coverage for operation, transit & storage of subsea equipment. The client group is typically contractors and operators within Oil & gas related industry, renewable energy developers and contractors, telecommunication industry, scientific research, archaeological exploration, support to governmental operations/naval operations.

RiskPoint focus areas:

  • Remotely Operated Vehicles (ROV)
  • Autonomous Underwater Vehicle (AUV)
  • Upstream elements only (incl. onshore, wells, pipelines and terminals)
  • Oceanographic survey equipment but excluding streamers
  • Trenchers and ploughs
  • Dive bells & diving equipment including hyperbaric chambers
  • On deck fixed equipment not covered by a hull insurance policy i.e. A-Frames, cranes and decompression chambers

Risks we do not wish to write:

  • Subsea cable
  • Streamer operations
  • Weather Buoys

Product

  • All risk operation, transit and storage
  • Worldwide coverage
  • Additional/extended cover
  • Specialist Risk Management and Claims service

For more information on this product, please contact us.

Terrorism Coverage

It is apparent that there is an ever growing exposure to terror risks, both domestically and worldwide.

Many property policies exclude terrorism risks completely or only provide shared limits with other insureds. Clients are able to protect their assets, revenue and personnel against these exposures. Coverage can be provided as a stand alone solution or as an integrated part of the overall property program.

Territories

  • Worldwide. Coverage can be offered to Nordic based Insureds with exposures anywhere in the world.

Prospective Clients

  • Corporates (Domestic and International)
  • Public Entities, Power & Utilities
  • Transport & Infrastructure
  • Retail, Wholesale & Manufacturing
  • What “Risks” do we write?
  • Property Damage (Real & Personal Property)
  • Business Interruption

Coverage Extensions

  • Extra Expense
  • Personal Injury (Guests and/or employees)
  • Denial of Access
  • Loss of Rent
  • Contingent Business Interruption

What Limits do we offer?

  • First loss coverage e.e.l./Agg.: EURO 100,000,000

Download Catalogue

For more information on this product,
please download the catalogue.
Download Catalogue(PDF)

Cyber – to be launched in Q2-17′

The Internet is pervasive nowadays and most businesses rely on computers and the Internet.

Conducting business in cyber space involves risks to businesses that can have devastating consequences. Cyber insurance cannot protect businesses from cyber incidents, but it does offer financial and operative support should a cyber incident occur.

Territories

  • Worldwide Coverage can be offered to Nordic based Insureds.

Prospective Clients

  • Appetite for: All industries including Financial institutions in the Nordic countries and Germany
  • Limited appetite for primary insurance policies on international clients (subsidiaries outside Nordic countries and Germany) however appetite for excess

What Coverage do we offer?

  • Incident response hotline and response costs
  • Third party liability in case of privacy breach
  • First party losses such as business interruption and extra expense, data recovery costs, notification costs, monitoring costs, extortion costs etc.

Coverage Extensions

  • Market standard extensions are already featured in RiskPoint’s standard Cyber products
  • RiskPoint offers to developing bespoke Cyber products

What Limits do we offer?

  • Up to DKK 400,000,000

Download Catalogue

For more information on this product,
please download the catalogue.
Download Catalogue(PDF)