Addressing Technical Risk
Industries exposed to technical risks operate in highly complex and interconnected environments where even minor failures can trigger large-scale disruptions. The fast pace of technological change—automation, digitalization, and IoT—introduces new, poorly understood hazards, while data gaps and fragmented information make it difficult to anticipate and quantify risks. At the same time, stricter regulations and compliance demands add operational pressure and uncertainty.
Financial exposure is also significant, as technical incidents can cause major material damage, business interruption, and liability claims. The shortage of specialized expertise further complicates risk management, while climate-related stressors amplify both the frequency and severity of potential losses. Together, these challenges make effective risk assessment and tailored insurance solutions essential for resilience.
Claims Process
The client or their broker informs us of a new technical risk claim.
We work with our loss adjusting partners to send an adjuster on site as soon as possible, depending on the severity of the loss.
Upon receipt of the adjuster’s report and/or supporting documents, we settle the claim to allow the client to resume their activities quickly.
Descartes Insurance offers coverage for technical risks and protection for your machinery. Safeguard investments by offsetting the financial impacts of physical damage with a straightforward underwriting process and a wide range of optional and combinable guarantees.
Who Should Consider This?
We deliver tailored solutions across a wide range of sectors, including:
- Construction sites and civil engineering
- Manufacturing plants
- Agriculture
- IT equipment
- Medical equipment
How Our Technical Risk Solutions Empower Companies
Our technical risk solutions are designed to give businesses the confidence to operate in complex and uncertain environments. By combining deep industry knowledge with tailored insurance coverage, we help companies protect their assets, minimize disruption, and secure long-term resilience. Our approach focuses on proactive risk assessment, dedicated claims support, and customized protection that adapts to each client’s specific needs.
Our Expertise
- Specialized Experience: A team with over 25 years of industry expertise in managing and mitigating technical risks.
- Claims Support Network: Access to a trusted network of third-party claims adjusters, providing support both in France and internationally.
- Tailored Protection: Comprehensive asset coverage designed to fit the unique operational and financial requirements of every client.
Quote Requirements
- Description of the equipment to be insured
- Replacement value (new)
- Date of initial commissioning
- Claims history (if applicable)
Interested in a solution?
