Industries

Every industry faces a different combination of operational, financial and emerging risks. PWS combines industry understanding with specialist insurance and reinsurance expertise to help clients identify exposures and structure appropriate risk-transfer solutions.

Energy & Power

Generation, transmission and distribution assets carry high values, long outage exposures and complex contractual obligations. Renewable projects add construction, technology and performance risk on top of that.

Typical exposures:

Property damage and machinery breakdown
Business interruption and contingent BI
Construction and erection all risks
Third-party and environmental liability

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Infrastructure & Construction

Major projects bring together owners, contractors, financiers and subcontractors, each with a different risk appetite and contractual position. Cover has to follow the project through construction, testing and into operation.

Typical exposures:

Contract works and delay in start-up
Plant, equipment and marine cargo in transit
Public and products liability
Professional indemnity for design

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Marine, Logistics & Transport

Cargo moves across jurisdictions, carriers and storage points, and liability can shift at each handover. Operators also carry exposure for the vessels, warehouses and fleets they run.

Typical exposures:

Marine cargo and stock throughput
Hull and machinery
Freight forwarders and logistics liability
Port, terminal and warehouse operations

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Financial Institutions

Regulated businesses face scrutiny of their conduct, their data and the decisions of their boards. Claims often arrive years after the act that triggered them.

Typical exposures:

Professional indemnity
Directors & officers liability
Crime and fidelity
Cyber and data privacy

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Technology & Telecommunications

Revenue depends on systems staying available and data staying private. A single incident can trigger service credits, regulatory action and third-party claims at the same time.

Typical exposures:

Cyber and data breach response
Technology professional liability
Network and infrastructure damage
Business interruption, including non-damage

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Mining & Natural Resources

Remote sites, heavy plant and single points of failure mean losses are large when they happen, and the replacement cycle is long. Environmental and community exposures run alongside the physical ones.

Typical exposures:

High-value plant and mobile equipment
Operational interruption and supply chain
Tailings, environmental and rehabilitation liability
Construction of new project phases

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Manufacturing

Production depends on specific machines, specific sites and specific suppliers. Product exposures follow the goods into markets with different liability regimes.

Typical exposures:

Property and machinery breakdown
Business and contingent business interruption
Product liability and recall
Marine cargo and employee risks

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Professional Services

Advice is the product, so the exposure sits in what was recommended and how it was documented. Firms also carry the management and data risks of any business.

Typical exposures: