The continuous evolution of the manufacturing sector, primarily linked to technological advancements, creates numerous growth opportunities on one hand, and on the other hand, it introduces increasingly complex new risks.

With the advent of Industry 4.0, which leverages advanced production technologies and moves closer to industrial automation, business models have undergone significant changes. In addition to the existing risk factors, new risks related to cybersecurity have emerged. Data today represents the means to grow one’s company and base its growth strategy and brand reputation on.

Another area of risk that can significantly impact business activities is related to environmental pollution. Exposure to the risk of environmental damage has increased significantly due to new legal frameworks that have tightened obligations for cleanup and restoration assigned to parties involved in pollution. The party responsible for causing pollution is actively required to restore environmental damage with interventions such as complementary restoration and compensatory restoration, which can take years before complete damage restoration is achieved. Another aspect to consider in the context of hazardous activities (Lugano Convention of 1995) is that a company can be called upon for cleanup operations regardless of its so-called “Strict Liability.” When environmental damage occurs, it is crucial that the company is supported by professionals capable of providing the right guidance in dealings with environmental agencies, such as ARPA, and equipped with the necessary equipment for rapid response.

In the analysis of new or more impactful risks, it is necessary to consider those related to criminal proceedings against managers, executives, responsible individuals for corporate safety, and anyone in the company involved in various ways in incidents at work, tax offenses, pollution, product defects, and damages to third parties, and more.

Furthermore, the company, according to Legislative Decree of June 8, 2001, No. 231, can be held responsible for crimes as described above and may face measures in terms of economic sanctions and disqualifications that can have dramatic consequences for its activities.

The defense costs in the case of criminal proceedings against individuals or the company are always very high, and the proceedings can drag on for several years with additional cost burdens.

For this reason, our professionals, thanks to their constant updating, offer their experience to best protect clients. We analyze real or potential risks that could harm the company and prepare tailored insurance solutions, plans, and programs, in line with the specific needs of the sector, taking into account market developments and laws or regulations that may impact the business.

Moreover, we assist the client in implementing best practices to further limit the occurrence of potential issues, protecting the company and enabling it to achieve important growth objectives.