IMIA Conference 2011 Amsterdam. IMIA Working Group Paper 72. CECR Specific of covers and experience made
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1 IMIA Conference 2011 Amsterdam IMIA Working Group Paper 72 CECR Specific of covers and experience made
2 Working Group Contributors Thomas Gebert (Zurich Insurance) Chairman Ivan Blanco (XL) Eric Brault (AXA Corporate Solutions) Brendan Dunlea (Zurich Insurance) John Forder (Willis) Blas Gomez (Seguros Atlas) Kun Hong Ho (Scor) Federico Pereira (Hannover Re) Thierry Portevin (Allianz) Gero Stenzel (Partner Re) David Walters (ACE) Volkan Babür (Mapfre) IMIA EC Sponsor
3 Working Group Contributors
4 Overview Introduction Insurable Objects Scope of Cover Underwriting Considerations Summary
5 Introduction Chile Earthquake Feb moment magnitude scale Insured Damages: 8 bn USD
6 Introduction Queensland Floods Dec to Jan Insured Losses: 5 bn USD Gladstone 500 km
7 Introduction Japan Earthquake March moment magnitude scale Insured Damages: 30 bn USD
8 Introduction
9 Introduction
10 Introduction Omaha Big Lake
11 Introduction June 2011 S N June 2010
12 Insurable Objects Railroads Roads
13 Insurable Objects Harbours Dry docks Canal systems
14 Insurable Objects Runways, Aprons of Airports Overhead lines Transmission & distribution lines
15 Insurable Objects Dams Weirs Pipelines (conveying non- combustible substances) Sewer systems Irrigation systems Water reservoirs
16 Scope of Cover Customers Government /state entities JV / PPP Private Parties
17 Scope of Cover Why Engineering? Property (fire) dominant risk is fire standard solutions Engineering technical know how contacts (construction period) risk management tailor made solutions
18 Scope of Cover Annually renewable All risk/named perils wordings Impact of land borne or waterborne vehicles or aircraft or articles dropped there from Earthquake, volcano, tsunami Storm Flood or inundation Subsidence, landslide, rockslide or any other earth movement Frost, avalanche, ice, snow Vandalism by individual persons Fire, lightning, explosion
19 Scope of Cover Extensions Debris removal Expediting costs Machinery breakdown Strike, riot and civil commotion Terrorism Consequential loss (separate BI section)
20 Scope of Cover Exclusions Loss or damage caused by or aggravated by latent or inherent defects Mechanical or electrical breakdown of machinery or electronic installations Wear and tear, corrosion, erosion, normal settlements Wilful acts or negligence War Nuclear risks
21 Underwriting Considerations Guide to typical exposures Bridges Dams Harbours Pipelines Roads Railways Runways Transmissi on lines Tunnels Sewer & Water Waterways EQ x x x x x x x x x Tsunami x x x x x x x x Flood x x x x x x x x x x Frost, ice x x x Fire x x Explosion x x Landslide / rock fall x x x x x x x Aircraft impact x x x x x Vessel impact x x x x Motor vehicle impact x x x Sabotage / burglary x x x x x x Collapse x x x x
22 Underwriting Considerations Guide to typical exposures Bridges Dams Harbours Pipelines Roads Railways Runways Transmissi on lines Tunnels Sewer & Water Waterways EQ x x x x x x x x x Tsunami x x x x x x x x Flood x x x x x x x x x x Frost, ice x x x Fire x x Explosion x x Landslide / rock fall x x x x x x x Aircraft impact x x x x x Vessel impact x x x x Motor vehicle impact x x x Sabotage / burglary x x x x x x Collapse x x x x
23 Underwriting Considerations Sums Insured New structures Project sum insured Existing structures New replacement value
24 Underwriting Considerations Type of risk (single/multi location) Value of largest structures Geographical and topographical location Exposures Construction Inspection reports Local standards / Maintenance schedule Previous damages Operating personnel
25 Underwriting Considerations Example 1: Railroad multi-location Operational Rail Tracks: 50,000 km Intermodal facilities: 31 Locomotives: 6,600 Cars: 200,000 Bridges: 13,100 Tunnels: 87 Highway-railroad crossings: 26,000 Rail yards: 120
26 Underwriting Considerations Example 1: Railroad multi-locations operational 400 locations with values of > 20 m USD BI Choke points CBI Increased cost of working Sub limits IAR basis Non proportional placements Aggregates for NatCat Deductibles Risk management
27 Underwriting Considerations Reactive Preventive Maintenance Maintenance Periodically Condition Based
28 Underwriting Considerations Guide to typical exposures Bridges Dams Harbours Pipelines Roads Railways Runways Transmissi on lines Tunnels Sewer & Water Waterways EQ x x x x x x x x x Tsunami x x x x x x x x Flood x x x x x x x x x x Frost, ice x x x Fire x x Explosion x x Landslide / rock fall x x x x x x x Aircraft impact x x x x x Vessel impact x x x x Motor vehicle impact x x x Sabotage / burglary x x x x x x Collapse x x x x
29 Underwriting Considerations
30 Underwriting Considerations
31 Underwriting Considerations Example 1: Railroad multi-locations operational
32 Underwriting Considerations Example 1: Railroad multi-locations operational
33 Underwriting Considerations Example 2: Bridges single location operational
34 Underwriting Considerations Example 3: Road project insurance with CECR/BI extension New Tunnel Existing Road
35 Underwriting Considerations Guide to typical exposures Bridges Dams Harbours Pipelines Roads Railways Runways Transmissi on lines Tunnels Sewer & Water Waterways EQ x x x x x x x x x Tsunami x x x x x x x x Flood x x x x x x x x x x Frost, ice x x x Fire x x Explosion x x Landslide / rock fall x x x x x x x Aircraft impact x x x x x Vessel impact x x x x Motor vehicle impact x x x Sabotage / burglary x x x x x x Collapse x x x x
36 Underwriting Considerations Example 3: Road project insurance with CECR/BI extension New Tunnel Rock fall Existing Road
37 Underwriting Considerations Example 3: Road project insurance with CECR/BI extension New Tunnel Existing Road
38 Underwriting Considerations Example 4: Motorway operational/project policy Design $ Provisional handover Loss Procurement Cargo & Inland transit CAR/DSU CECR/BI Visit/Ext./Guarantee Maintenance Cover Final Contract Value First year Second year Transport Construction Operation
39 Underwriting Considerations Example 4: Motorway operational/project policy
40 Underwriting Considerations Example 4: Motorway operational/project policy
41 Underwriting Considerations Ageing infrastructure
42 Summary Comprehensive cover Complex risks Extensions (MB, IAR, BI) High exposure of geographical spread of risk NatCat aggregation important Section/loss limit Underwriting information Detailed knowledge about the account necessary CECR can be a section of a project policy
43 Thank you INTERNAL USE ONLY CECR 43
44 Underwriting Considerations Type of risk (single/multi location) Value of largest structures Geographical and topographical location Exposures Construction Inspection reports Local standards / Maintenance schedule Previous damages Operating personnel
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