HDI Versicherungen – Innovation as a challenge and security concept
Security is a vital prerequisite for research and innovation to thrive. When it is time for research results and technological developments to stand the test of mass production, a number of major questions have to be answered. For example – Who pays if the product causes damage? Who shoulders the risk when plant and capital goods are damaged in production or distribution? Anything can happen, from a dent in the delivery vehicle to a major fire.
HDI is one of the top specialists for the insurance of industrial and commercial risks, not only in Germany but throughout the world. Among its members the HDI group of companies counts both HDI Industrie Versicherung AG, the only insurer in Germany that specialises exclusively in industrial risks, as well as the engineering company HDI Sicherheitstechnik GmbH, HST. Specialists in a wide range of disciplines work together here under one roof, developing the sort of cover concepts without which it would be impossible to mass-produce innovative products or operate highly sophisticated technical plants and equipment.
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This is a task in which engineers, mathematicians and risk assessment specialists are all of equal importance. The aim, after all, is to analyse risks, quantify them and – as the final step – provide workable insurance solutions. This also applies to risks for which no empirical data are yet available. The prerequisite here is not only decades of experience but also skilfully devised forecasts in which HDI, in turn, employs innovative methods and calculation models that are subject to continuous refinement.
But the task goes further than that – the engineers at HDI Sicherheitstechnik are in particularly strong demand when it comes to minimising risks and containing potential damage scenarios. And here it is more the rule than the exception that innovative concepts are developed which are subsequently put to “serial“ use. One recent example is the application of so-called permanent inertisation as a fire-protection measure in modern largescale storage facilities. This is now being employed by well-known clothing manufacturers and industrial bakeries.
In this way innovation in the field of security engineering and pioneering insurance concepts go hand in hand with innovative production methods and modern services. In the present day and age, identifying a need for protection and providing workable solutions is a major challenge – and HDI is there to pick up the gauntlet. Not just for industrial and commercial clients, but also for the private customer. At HDI Versicherungen, we take the same care to provide allround competent protection at an affordable price for your family, home and car as we do to safeguard business enterprises.