Mining Insurance
Programme structure
A coordinated insurance arrangement for declared mining activities, potentially combining property damage, business interruption, equipment and liability protection around the operation's specific hazards.
- Illustrative example
- Fire damages processing infrastructure at a mine and interrupts production while insured repairs proceed.
- Check the wording
- Underground workings, tailings facilities and environmental liabilities require explicit assessment; a mining label does not insure every exposure.
Read the detailed Mining Insurance guide
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Mining Plant & Equipment
Physical loss or damage to agreed mobile or fixed mining equipment, with machinery breakdown and resulting interruption insured only where the selected wording provides them.
- Illustrative example
- A haul truck collides with mine infrastructure, damaging the vehicle and requiring specialist repair.
- Check the wording
- Underground use, wear, breakdown and operating conditions can be restricted; replacement lead times need separate consideration.
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Energy Property
Physical loss or damage to declared energy assets, such as plant, processing facilities and related infrastructure, with insured causes and valuation agreed for each risk.
- Illustrative example
- An electrical fire damages a declared energy facility's switchgear and associated physical infrastructure.
- Check the wording
- Machinery breakdown and business interruption are not inherent in every property section; verify them expressly.
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Power Generation Insurance
Programme structure
A tailored combination of protection for generating assets, machinery breakdown and selected interruption losses, addressing risks associated with the plant's technology and operating conditions.
- Illustrative example
- Insured turbine damage shuts a generating unit and interrupts electricity sales during repairs.
- Check the wording
- Long replacement lead times, breakdown exclusions and interruption waiting periods can leave significant portions of a shutdown uninsured.
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Renewable Energy
Programme structure
Selected construction or operational exposures for solar, wind, battery and other renewable assets, potentially combining physical damage, breakdown, liability and resulting interruption protection.
- Illustrative example
- A severe storm damages solar panels, requiring repairs and reducing output from the insured facility.
- Check the wording
- Poor wind, low sunlight, degradation and missed output forecasts are not automatically covered by physical-damage insurance.
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Oil & Gas Insurance
Programme structure
Specialist combinations of cover for declared exploration, production, transport, processing or storage activities, potentially addressing property, operational expenses, liability and resulting business interruption.
- Illustrative example
- A fire damages an insured processing facility and interrupts operations while damaged equipment is reinstated.
- Check the wording
- Upstream, offshore and well-control exposures need distinct terms; pollution and decommissioning obligations are not automatically included.
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Operational All Risks
Broad physical loss or damage protection for agreed industrial assets during operation, usually subject to exclusions and optionally combined with machinery breakdown and interruption sections.
- Illustrative example
- An accidental fire damages operating industrial equipment and the surrounding insured plant infrastructure.
- Check the wording
- All risks retains exclusions; gradual deterioration, performance shortfalls and some machinery failures can remain outside cover.
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Transmission & Distribution
Specialist arrangement
Physical damage and selected interruption exposures affecting declared electricity network assets, potentially including substations, transformers, cables and lines where specifically accepted by the insurer.
- Illustrative example
- A storm damages a declared substation, interrupting electricity distribution while insured repairs take place.
- Check the wording
- Overhead lines and assets beyond specified distances may be excluded or sublimited; confirm network boundaries carefully.
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