Turn plant risk data
into stronger insurance
decisions.
APP helps asset owners, insurers, and brokers use live plant data, inspection
evidence, and engineering insight to build a clearer view of machinery
breakdown and business interruption risk. This supports more informed
underwriting, renewal, deductible, and risk-management incentive
discussions.
The insurance
evidence gap
The insurance evidence gap
Even well-managed assets still
need risk evidence insurers
can use.
Power generation owners may invest heavily in monitoring, inspection, maintenance, and risk controls, yet those efforts are not always reflected in the underwriting process. When evidence sits across systems, reports, and site teams, insurers and brokers have a limited basis to distinguish active risk management from unmanaged exposure during renewal, deductible, or premium discussions.
The issue is how clearly risk management can be evidenced, measured,
and communicated
Consolidated View
No consolidated view of machinery breakdown and business interruption risk.
Strong Risk Management
Strong risk management activity that is difficult to evidence during insurance discussions
Retained Exposure
That may remain on the balance sheet because the risk is difficult to assess confidently
WHY APP?
Engineering risk insight built for insurance decisions.
API
581+
Enhanced risk
methodology
Lloyd’s
Lab
refined
Invest
+
London
90→45
Days
Deductible, in a
live deployment
We’ve worked on behalf of owners to reassure brokers and insurers that a major failure isn’t coming.
WHY APP
Engineering risk insight built
for insurance decisions.
Engineering risk insight built for insurance decisions.
APP brings asset-performance, engineering, and insurance perspectives into the same risk conversation. We understand how machinery breakdown and business interruption risk develops at power generation assets, and how owners, brokers and insurers need that risk to be evidenced before it can shape underwriting, renewal, or deductible decisions.
APP’s risk analytics combine live plant data, inspection evidence, operating information, and site-specific asset knowledge to create a clearer view of failure risk. The approach has been strengthened through participation in Lloyd’s Lab and investment from Lloyd’s of London, thereby supporting insurance-linked risk insight for power and renewable assets.
How the engagement works
From risk baseline to
insurance-ready evidence.
From risk baseline to insurance-ready evidence.
Establish the risk
baseline
Start with an initial view of the asset, critical equipment, current risk position, and insurance requirements, either through whatsyourrisk.com or by contacting us directly.
Understand the
insurance need
APP works with the owner, broker, or insurer to understand the renewal, deductible, retained risk, or risk management incentive question that needs to be addressed.
Build the
evidence base
APP Box connects plant data, inspection evidence, operating information, and risk analytics to create a clearer view of machinery breakdown and business interruption exposure.
Support better
risk discussions
The output can support underwriting, renewal, deductible, and premium-related discussions, giving owners, brokers, and insurers a stronger basis for assessing risk and available insurance structures.
Insurance-linked products
Products that connect plant risk data
with insurance decisions.
Products that connect plant risk data with insurance decisions
APP’s insurance-linked capability brings plant data, engineering insight, and risk analytics together to support clearer risk visibility, more active risk management and better-informed insurance structures.
APP RiskMitigator
The risk-intelligence foundation
Combines operating data, inspection evidence, and risk analytics to give asset owners, brokers, and insurers a clearer view of major failure risk, mitigation actions, and the asset’s changing risk position.
Risk Management
Incentive (RMI)
Premium linked to performance
A bolt-on module for standard MBBI policies, using live plant data and monthly risk scoring to support year-end premium adjustment based on actual risk performance during the policy term.
Deductible
Buy-Down
Balance sheet relief
Uses granular plant risk data, stochastic loss modelling, and equipment level analytics to help insurers assess and price deductible layers that may otherwise be difficult to underwrite. In one deployment, this supported a reduction in the Machinery Breakdown deductible from 90 days to 45 days, freeing approximately $14 million of previously uninsured risk from the policyholder’s balance sheet.
Clearer, evidence-led risk position.
Live Plant Risk
Insight
Reporting help teams
identify exposure before issues escalate.
Risk Controls,
Migitation Actions
And asset condition can be communicated more clearly to insurers, brokers, and lenders.
Stronger
Evidence
Can support underwriting, renewal, deductible, and risk-transfer discussions where applicable.
For insurers, brokers, and underwriters
Data-led insight for complex
power generation risk.
Data-led insight for complex power generation risk.
The same plant-level data that helps asset owners evidence risk management can give insurers, brokers, and underwriters a clearer basis for assessing machinery breakdown and business interruption exposure, pricing retained-risk layers, and structuring more responsive MBBI solutions.
More Informed Pricing
Asset-level, standardised risk data and engineering insight can support more confident assessment of complex or difficult-to-price layers.
Differentiated Client Solutions
Brokers and insurers can use stronger risk evidence to support more relevant MBBI structures for clients in which retained exposure, deductible levels, or risk performance are central concerns.
More Active Policyholder Engagement
Live risk scoring and reporting help keep policyholders engaged in reducing exposure during the policy term, not only at renewal.
Proof in live
deployment
Approximately $14mil of retained risk move into the insurance programme.
APP’s granular risk data, stochastic loss modelling and equipment-level analytics enabled the insurer to reduce the Machinery Breakdown deductible from 90 to 45 days, removing a 30-day coverage gap and freeing approximately $14 million of uninsured balance sheet risk.
LET’S TALK
Need a clearer view of your
current risk position?
Start with a baseline risk view at whatsyourrisk.com, or speak to APP about insurance-linked
risk insight, RiskMitigator, Risk Management Incentive, or Deductible Buy-Down support.