HPR Insurance

Highly-protected risk insurance for commercial property

If you're looking for broad, flexible coverage and higher limits for commercial property that is actively risk-managed and maintained, Allianz Global Corporate & Specialty's (AGCS) Highly Protected Risk Insurance (HPR) solutions could be right for you.

Our HPR Insurance solutions have been designed to protect commercial properties against a variety of risks, such as stolen equipment and environmental damage. These solutions provide flexible coverage and the option of high insurance limits. What's more, by choosing our HPR Insurance, you'll gain access to our expert HPR underwriters and fire protection engineers — a partnership which could see you lower your long-term insurance costs.

 

  • Business Income and Extended Business Income — protects business income if operations are suspended due to a covered loss
  • Data Compromise — enables you to respond effectively if personal information in your care, custody or control is stolen or compromised
  • Equipment breakdown protection — insures physical and financial damage when equipment fails
  • Durable goods coverage for manufacturers — combines customized protection for everything from replacing key employees to maintaining an eco-friendly building
We provide coverage for HPR risks in a wide range of industries, from manufacturing to hospitality and healthcare. What's more, our solutions are broad and flexible, so you only pay for the level of coverage you need with our customized Property-Gard Pinnacle commercial property form. Our options include:
 
  • Business income and extended business income — protects business income if operations are suspended due to a covered loss
  • Data compromise — lets you respond effectively if personal information in your care is stolen or compromised
  • Equipment breakdown protection — insures physical and financial damage when equipment fails
  • Durable goods coverage for manufacturers — combines customized protection for everything from replacing key employees to maintaining an eco-friendly building
The coverage  could be right for you if you have active interest in protecting your property; employ guards or an alarm system for continuous supervision; own buildings equipped with automatic sprinklers and fire hydrants; and/or install and maintain safety features such as firewalls, barriers, and fire doors.
  • Monoline property or package combined with other product offerings
  • Premium ranges from $50k through $1mn
  • From 1 through 500 scheduled locations 
  • Single location insurable values up to $500mn for the best locations
  • Total Insurable Values from $50mn through $2bn, depending on class of business
  • Healthcare
  • Real estate
  • Commercial office and lessor’s risk including retail and industrial
  • Condominiums and cooperatives
  • Hospitality
  • Manufacturing & Wholesale
  • Retail & distribution
  • Public service
  • Municipalities
  • Regional airports
  • Museums
  • Crime
  • Business Income & Contingent Income
  • Inland Marine (transit, installation, equipment floaters)
  • International exposure to U.S. controlled companies
  • Owner’s Builder’s Risks – COC
  • Green Building Coverage and Commissioning Expense
  • Non-Conforming Building Loss
  • Crisis Management
The products and services described on this page may not be available in all AGCS locations. Please contact your local office for full information on local product availability.
Jack Russell, Head of Program sales discusses the evolution of the programs space as well as what the future looks like in the industry ahead.
Allianz offers over 20 products for programs, but aims to double programs business as the marketplace is growing 5.3% annualy. 

Annual survey identifying business risks

Technology is breeding new threats as well as business models. Traditional risks such as natural catastrophes continue to challenge while other threats such as cyber, neck-and-neck with business interruption at the top of the Allianz Risk Barometer 2019 for the first time, reputational risk, increasing exposure to intangible assets and volatility and consolidation in the corporate environment evolve daily.

Top 3 risks for small enterprise companies

  1. Cyber incidents (32%) - 2018 rank: 2 (30%)
  2. Changes in legislation and regulation (30%) - 2018 rank: 5 (22%)
  3. Natural catastrophes (27%) - 2018 rank: 3 (28%)
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