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
- Professional Liability
Insurance, PI - Investment Manager Insurance
- M&A Insurance – W&I and Contingency risks
- Property Insurance, PD/BI
- Insurance for Renewable
Energy - General and products liability
- First Party Recall, finished products
- Environmental liability, EIL
- Aviation
Insurance - A&H including Keyman
- Intellectual Property Rights insurance, IPR
- Fidelity insurance, Crime (excess basis)
- Marine and Subsea equipment
- Offshore Energy
- Terror
- Cyber
- SOLI
- Byggeskade
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.
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
- 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.
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.
M&A Insurance, W&I and Contingency risks
IN THE CONTEXT OF MERGERS AND ACQUISITIONS (M&A), THE PARTIES OFTEN STRUGGLE TO IDENTIFY AND NOT LEAST VALUE ALL POTENTIAL RISKS AND LIABILITIES IN THE TARGET BUSINESS, DESPITE EXTENSIVE DUE DILIGENCE BY TOP-TIER ADVISORS.
As a tool to facilitate transactions, we have developed a suite of insurance products that allows the buyer and/or the seller to transfer such risks to the insurance market. This allows for a transaction structure where the buyer has less risk and better protection. The seller, on the other hand, achieves the best possible purchase price in combination with a clean exit with no retained risk or liabilities.
RiskPoint offer
- Warranty & Indemnity insurance (W&I);
- Title insurance;
- Contingency (tax and litigation) liability insurance.
- Title insurance
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)
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.
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.
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.
Aviation Insurance
Unfortunately, we no longer issure insurance on Aviaition
Regrettably, we are no longer in a position to offer insurance cover within General Aviation. Current policies remain in force until the expiry date and will naturally be serviced by us during the remaining period. You can still find info on our website regarding the insurance terms and conditions, and reporting of eventual losses.
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.
Career end
- Career end is offered for most sports.
- Possible to combine career end with accidental death.
- High sums are offered.
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
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
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.
Offshore Energy
We offer Insurance to a broad range of companies within the Offshore Energy sector.
Upstream Energy encompasses the client group that is engaged in oil & gas exploration and production and their offshore contractors.
Offshore “all risk” and “named perils” insurance provides protection for offshore operators and contractors including offshore property, operators extra expenses and control of well, mobile drilling units, accommodation units, floating storage production and offloading units (FPSO), associated cargo and offshore liabilities. RiskPoint also provide insurance to cover construction and installation of offshore property, offshore contractor vessels/property, builders risk and offshore liabilities.
RiskPoint focus areas:
Exploration and production companies (E&P)
- Oil & Gas
- Upstream elements only (incl. onshore, wells, pipelines and terminals)
- Offshore construction and installation
- US Gulf of Mexico windstorm excluded
Offshore contractors
- Drilling Rig Contractors – drill ships, semi-sub drilling units, jack-ups, platform rigs.
- FPSO Contractors – floating production offloading, floating production units
- Construction contractors – ships/barges, crane units, windfarm installers, pipe laying barges, subsea installers, accommodation rigs
- Offshore contractors – service fleet vessels such as AHTS, supply vessels, offshore constructions, subsea support
- US Gulf of Mexico windstorm excluded
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
Cyber
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
SOLI (Securities Offering Liability Ins.) Coverage
Offering securities be it equity shares or corporate bonds, the company and its management issues and signs a prospectus. In case the prospectus is misleading or downright wrongly describes the risks involved in the offering, then the company and the management may be faced with claims from investors. In order to allow management to focus on the business rather than the claim and the potential personal financial default, companies purchase SOLI insurance. The SOLI insurance covers defence costs, many related costs and any damages the insured persons may be liable for.
Territories
- Worldwide Coverage can be offered to Nordic based Insureds with personnel and/or exposures anywhere in the world.
Prospective Clients
- No restrictions on Nordic issuers
- Restrictions on issuance of securities in the USA
What Coverage do we offer?
- Side A – physical insureds
- Side B – company reimbursement
- Side C – entity coverage for securities claims
- Cancellation clause available
Coverage Extensions
- Market standard extensions are already featured in RiskPoint’s standard SOLI products
- RiskPoint offers to developing bespoke SOLI products
What Limits do we offer?
- Up to EUR 100,000,000
RiskPoint is a Nordic based underwriting agency and Lloyd’s coverholder with over 60 staff. Our market commitment is to provide professional underwriting, outstanding service and fair & expedient claims handling supported by first class security.
Contacts
Underwriting
Lars Danielsson
Tel: +46 722 161 644
lars.danielsson@riskpoint.eu
Solveig Dalseg
Tel: +47 86 99 65
Solveig.dalseg@riskpoint.eu
Klaus Stubkjær Andersen
Tel: +45 33 38 13 36
klaus.andersen@riskpoint.eu
Claims
Birgitte Roed
Tel: + 45 33 41 02 04
Birgitte.roed@riskpoint.eu
Jonas Svensson
Tel: + 45 33 41 02 18
jonas.svensson@riskpoint.eu
Byggeskadeforsikring
Kort om byggeskadeforsikring
LOVPLIGTIG FORSIKRING
D. 1. april 2008 indførtes lovkrav om byggeskadeforsikring ved opførelse af bygninger til boligformål, Endvidere kræves byggeskadeforsikring når eksisterende bygninger eller arealer i sådanne, som ikke tidligere har været benyttet som bolig, indrettes til boligformål.
Kravet om Byggeskadeforsikring gælder alle private helårsboliger opført af professionelle bygherrer, hvis byggetilladelse er givet 1. april 2008 eller senere.
Byggerier undtaget fra lovkravet er:
- Bygninger opført til udlejning, når ansøgning om byggetilladelse er indgivet efter d. 1. juli 2016
- Offentligt støttet byggeri
- Når private bygger til sig selv – både selvbyg og egen styring af fagentrepriser
- Renovering af eksisterende boliger
- Fritidshuse, ferielejligheder, timeshare og lignende
Byggeteknisk tilstand og svigt – 1- og 5-års eftersyn
Formålet med eftersynene er at afsløre byggetekniske svigt, således at ejeren og forsikringsselskabet har et veldokumenteret grundlag for at få byggeriets parter til at udbedre væsentlige fejl og mangler. Caplloyd drager omsorg for, at såvel 1- som -5års eftersynet finder sted.
Ved skade
Du kan anmelde byggeskader til forsikringen i 10 år (se forsikringsperioden i din police).
Ved konstatering af en væsentlig byggeskade, skal anmeldelse hurtigst muligt finde sted under din Byggeskadeforsikring.
Skader omfattet af forsikringen skal udbedres af den ansvarlige professionelle bygherre – hvis bygherren nægter eller er gået konkurs, sørger Caplloyd for, at en anden udbedrer skaden.
Læs mere om byggeskadeforsikringer:
- Trafik- og Byggestyrelsen: www.trafikstyrelsen.dk/DA/Byggeri/Byggeriets-regler/Byggeskadeforsikring.aspx
- Boligejer DK www.boligejer.dk/obligatorisk_byggeskadeforsikring
Tilbud – ved anmodning om tilbud udfyld og indsend venligst til: byggeskade@caplloyd.com
Husk også at vedhæfte følgende:
- Tegningsoversigt for ingeniør- og arkitekt
- Plantegning, situationsplan
- Fundaments plan, spær plan og afløbsplan
- Snittegninger (1:20) med angivelse af terrænkvoter, højder og oplysninger om demensioner og materialer
- Detailtegninger (1:100) som viser bygningsdelens opbygning, samlingsdetaljer med angivelse af relevante oplysninger, herunder afstivning, forankring, ventilation, vederlag og andet.
- Geoteknisk rapport
- Statiske beregninger
- Plan for vandstandssænkning, pilotering ol.