Erschienen in Ausgabe 1-2017Märkte & Vertrieb

279. Explosion

Von Keith PurvisVersicherungswirtschaft

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279. Explosion

Explosion can be defined as sudden and rapid combustion, causing violent expansion of the air, gases or vapours (Dämpfe) accompanied by a report (meaning a loud noise in this context). With respect to property insurance the substances that matter are those that cause the explosion. Thus explosions due to explosive substances and dust are insurable, but not those caused by the tearing of rotating solid bodies due to centrifugal force or the bursting of containers and pipes due to the high internal pressure of fluids or gases. Property insurance does not, therefore, cover explosions in boilers and pressure plants, which are insured as a separate class of risk in the engineering department.
Insurance is needed not only to cover the property directly affected by the explosion, but also other property owned by the policyholder which may have suffered consequential damage. Business interruption pays for loss of earnings and, if available, contingent business interruption for the financial consequences of explosions at the plants of suppliers or customers. Public liability insurance covers bodily injury and property damage to third parties due to explosion, in Germany trade associations (Berufsgenossenschaften) providing indemnification if those injured are the policyholder‘s employees.
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