Damage prevention

The most sustainable damage is the one that never happens – it requires neither repair, new materials nor leaves a carbon footprint. To make it easy for you, we have gathered our damage prevention advice and measures.

See measures and advice on:

Loss prevention: simple steps that reduce risk

Here you will find simple advice and tips that can help you avoid losses – whether it concerns buildings, projects, liability, crime or digital threats.

Scroll through the topics and find what is relevant to you. Under each point you will receive concrete examples and suggestions for measures you can implement straight away, so you can reduce risk and avoid unnecessary costs and trouble.

Select a topic and read how you can prevent insurance events and reduce risk.

Housing cooperatives and jointly owned properties

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How the housing cooperative or jointly owned property can reduce the risk of water and frost damage

Water damage can be costly and affect both residents and the building. Small leaks can develop into larger damage if not detected early.

How to reduce the risk:

  • Install water shut-off devices where appropriate.
  • Ensure that pipes and water installations are easily accessible for inspection and maintenance.
  • Protect pipes against frost and low temperatures.
  • Address leaks and water damage as quickly as possible.

How the housing cooperative or condominium association can reduce the risk of fire damage

Fire can cause extensive damage to buildings, common areas and residents' belongings.

Good routines and proper equipment can help reduce the risk.

  • Ensure that escape routes are kept open and accessible.
  • Check that fire alarm systems and fire safety equipment function as they should.
  • Follow up on inspection and maintenance of electrical installations.
  • Ensure that fire doors are kept closed and function as they should.
  • Inform residents about fire safety and shared procedures.
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How housing cooperatives and condominiums can reduce the risk of damage from snow and ice

Snow and ice falling from roofs can cause insurance events affecting both people, buildings and assets.

Good routines throughout the winter can reduce the risk.

  • Check the roof regularly during heavy snowfall or large temperature fluctuations.
  • Remove snow and ice when necessary.
  • Ensure snow guards are in place where there is a risk of roof avalanches.
  • Set up alerts for areas with avalanche risk.
  • Document completed snow clearing and maintenance.

How housing cooperatives can reduce risk through regular maintenance

Regular maintenance can help reduce the risk of major damage and costly repairs.

Minor faults discovered early are often easier to rectify:

  • Follow a maintenance plan for the building.
  • Inspect roofs, facades, gutters and drainage regularly.
  • Rectify damage and faults as early as possible.
  • Document completed maintenance and inspections.
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Apartment blocks winter

Commercial and office buildings

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How your business can reduce the risk of water and frost damage

Water damage can be costly and affect both the building, inventory and equipment. Small leaks can develop into larger damage if not detected early.

How to reduce the risk:

  • Install water stoppers where appropriate.
  • Ensure that pipes and water installations are easily accessible for inspection and maintenance.
  • Protect pipes against frost and low temperatures.
  • Follow up on leaks and moisture damage as quickly as possible.
  • Check drains and drainage systems regularly.

How businesses can reduce the risk of fire in commercial buildings

Fire can lead to extensive damage to buildings, inventory and equipment.

Good routines and proper equipment can help reduce the risk.

  • Ensure that fire alarm systems and fire protection equipment function as they should.
  • Follow up on inspection and maintenance of electrical installations.
  • Ensure that escape routes are kept open and accessible.
  • Keep technical rooms, storage areas and other vulnerable areas tidy.
  • Provide employees with training in fire safety and evacuation.

How your business can reduce the risk: of burglary and theft

Good security can reduce the risk of burglary, theft and vandalism.

  • Ensure good locks on doors, windows and other vulnerable entry points.
  • Install burglar alarms where needed.
  • Store valuable equipment in a secure manner.
  • Have good routines for locking and access control.
  • Check and maintain security systems regularly.

How your business can reduce the risk of damage from snow and ice falling from roofs

Snow and ice falling from roofs can injure people and damage buildings and property. Large amounts of snow can also place a strain on the roof.

How to reduce the risk:

  • Check the roof regularly during heavy snowfall or large temperature fluctuations.
  • Remove snow and ice when necessary.
  • Ensure snow guards are in place where there is a risk of roof avalanches.
  • Put up warning signs in areas with avalanche risk.
  • Document completed snow clearing and maintenance.

How the business can reduce risk through proper maintenance

Regular maintenance can reduce the risk of major damage and costly repairs.

Small faults discovered early are often easier to rectify:

  • Follow a maintenance plan for the building.
  • Regularly inspect the roof, facades, gutters and drainage.
  • Follow up on technical installations and common areas.
  • Repair damage and faults as early as possible.
  • Document completed maintenance and inspections.
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Project and contract work

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How the company can reduce risk by fencing the construction site

Proper fencing of the construction site can help reduce the risk of damage, theft and unwanted incidents.

How to reduce risk:

  • Ensure that the construction site is clearly demarcated and secured.
  • Ensure that unauthorised persons do not gain access to the area.
  • Keep work areas tidy and well organised.
  • Ensure good lighting at the construction site.
  • Address hazardous conditions as quickly as possible.

How the company can reduce the risk of fire

Fire can cause significant damage to work, materials and equipment. Good routines can reduce the risk.

How to reduce the risk:

  • Follow the requirements for hot work.
  • Ensure that fire extinguishing equipment is easily accessible.
  • Store flammable materials in a safe manner.
  • Keep the construction site tidy and free from unnecessary combustible material.
  • Ensure that employees know the procedures for fire and evacuation.

How the company can reduce the risk of loss of materials, tools and equipment

Materials, tools and equipment are important assets in construction and civil engineering projects. Good storage and security can reduce the risk of damage and loss.

How to reduce the risk:

  • Store materials and equipment in suitable areas.
  • Protect materials against weather and moisture.
  • Inspect and maintain machinery and equipment regularly.
  • Lock away tools and equipment when not in use.
  • Keep track of valuable equipment on the construction site.

How the business can reduce the risk of loss through good planning and documentation

Good documentation makes it easier to monitor the project and handle changes along the way.

How to reduce the risk:

  • Document work carried out during the project.
  • Store drawings, agreements and other important documentation in a secure manner.
  • Ensure good routines for storing digital files.
  • Follow up inconsistencies and changes on an ongoing basis.
  • Keep documentation updated throughout the project.

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Many are unsure which insurance policies to choose for their business. Here you can select your industry and receive tips on the most important insurance policies.

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Risk and liability

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Business liability - even with good procedures, accidents can happen.

If work, services or activities in the business lead to an insurance event affecting people or other people's property, the business may face a compensation claim.

Examples may include:

  • A customer or visitor is injured on the company's premises.
  • Work that leads to an insurance event affecting other people's property.
  • Equipment or objects that cause an insurance event.
  • Unforeseen incidents that lead to an insurance event affecting persons or other people's property.

How you can reduce the risk:

  • Ensure good procedures for safety and work execution.
  • Keep premises and work areas tidy and well organised.
  • Follow up on errors and inconsistencies that arise.
  • Ensure that employees receive the necessary training.

Product liability – if you sell, import or manufacture products, defects can have serious consequences

In certain cases, the company may be held liable if a product causes an insurance event affecting people or other parties' property.

Examples may include:

  • A defective product that causes personal injury.
  • Electrical equipment that causes a fire.
  • Inadequate information about use or installation that leads to an insurance event.
  • A product that damages the customer's property.

How you can reduce the risk:

  • Choose suppliers with good quality procedures.
  • Monitor the quality of the products you sell.
  • Ensure clear product information and instructions for use.
  • Address errors and complaints as early as possible.

Financial liability – if you provide advice or deliver professional services, the customer expects high quality

Errors or omissions can in some cases lead to financial loss for the customer.

Examples may include:

  • Incorrect advice leading to financial loss.
  • Errors in calculations or analyses.
  • Deficient credit management of a mission.
  • Errors in documentation or reporting.

How you can reduce the risk:

  • Quality-assure the work before it is delivered.
  • Document important assessments and recommendations.
  • Ensure good engagement with the customer throughout.
  • Keep professional expertise up to date.

Board responsibility - the board has an important role in monitoring finances, operations and risk

Good procedures and clear division of responsibilities can contribute to better decisions and reduce the risk of errors.

Examples may include:

  • Lack of monitoring of financial challenges.
  • Important decisions that are not documented.
  • Deficient credit management of laws and regulations.
  • Lack of overview of risk in the company.

How you can reduce the risk:

  • Ensure clear distribution of roles and responsibilities.
  • Hold regular board meetings.
  • Document important decisions.
  • Monitor finances and risk on an ongoing basis.

Legal assistance - clear agreements and good communication can help prevent conflicts

Disagreements can arise in all types of businesses.

Examples may include:

  • Disagreement about what has been agreed.
  • Conflicts relating to deliveries or payment.
  • Disputes with customers, suppliers or business partners.
  • Disagreement about liability or contract terms.

How you can reduce the risk:

  • Use written agreements.
  • Document important clarifications along the way.
  • Clarify expectations early.
  • Address disagreements before they escalate.
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Crime

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How to reduce the risk of theft, embezzlement and fraud

Most employees do a good job and follow the company's procedures. Nevertheless, theft, embezzlement and fraud can occur in all types of businesses.

With good routines and clear division of responsibilities, you can reduce the risk of financial losses.

Theft and embezzlement in businesses

Theft and embezzlement can occur in all types of businesses. Often it is not discovered until money or valuables have already disappeared.

Examples may include:

  • Cash that goes missing.
  • Goods or equipment that go missing.
  • Payments that are not recorded.

How you can reduce the risk:

  • Keep track of goods, equipment and other assets.
  • Limit access to cash, goods, equipment and other assets.
  • Carry out regular checks of goods, equipment and cash.
  • React if something is missing or does not add up.

Access to money and assets in the business

Good procedures and clear allocation of responsibilities can make it more difficult to misuse access to money, assets or financial systems.

Examples may include:

  • One person is responsible for registration, approval and payment.
  • Access rights that are not removed when employees leave.
  • Lack of overview of who has access to money or assets.
  • Tasks that are not checked by others.

How you can reduce the risk:

  • Ensure clear role and responsibility distribution.
  • Give employees only the access they need.
  • Ensure that important tasks are not handled by one person alone.
  • Regularly review who has access to systems and assets.
  • React if something does not match or deviates from the normal.
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Man taking photo of damaged car

Cyber attacks and digital threats

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How to reduce the risk of cyberattacks and digital threats

Many cyberattacks start with someone clicking on the wrong link or sharing information they should not. With good routines and aware employees, the business can reduce the risk of digital attacks.

Here you will find tips on how the business can strengthen its security.

Email, messages and fraud attempts - when employees are deceived

Many cyberattacks begin with an email or message that appears genuine. The aim is often to get employees to share information, open attachments or click on links.

Examples may include:

Phishing and targeted fraud attempts

  • Fraudsters send emails or messages that appear to come from a bank, supplier or other entity the company trusts. The aim is often to gain access to passwords, payment information or other details.

CEO fraud

  • Fraudsters impersonate a senior manager in the company and ask employees to carry out payments or share sensitive information. To appear credible, they often use time pressure or claims that the matter is urgent.

Fake login pages

  • Fraudsters create websites that resemble well-known services to obtain usernames and passwords.

How the business can reduce the risk:

  • Provide employees with training to recognise fraud attempts.
  • Be extra vigilant about requests that are urgent or seem unusual.
  • Check the sender and links before clicking on them.
  • Encourage employees to ask if they are unsure.

Passwords and login - how the business protects systems and accounts

Strong passwords and secure login routines can make it more difficult for criminals to gain access to systems and accounts.

Examples include:

Weak or reused passwords

  • Passwords that are easy to guess or used in multiple places can make it easier for criminals to gain access to systems and accounts.

Two-factor authentication

  • Two-factor authentication provides additional security when logging in. In addition to a password, the user must confirm the login, for example with a code on their mobile phone.

How the business can reduce the risk:

  • Use strong passwords and avoid reusing them.
  • Enable two-factor authentication wherever possible.
  • Store passwords securely.
  • Remove access when employees leave or change roles.

Ransomware and cyberattacks – when files and systems become inaccessible

Ransomware and other cyberattacks can result in files, systems and information becoming inaccessible.

Good routines for updates and backups can help limit the consequences if the business is affected.

Examples may include:

Ransomware

  • Ransomware is malicious software that can lock or encrypt files and systems. In some cases, the business is asked to pay the criminals to regain access to the files.

Outdated systems

  • Software that is not kept up to date may contain security vulnerabilities that criminals can exploit. Regular updates help to make systems more secure.

Lack of backups

  • Backups are a copy of the business's data. If files are lost or become inaccessible, backups can make it easier to restore the information and return to normal operations.

How the business can reduce the risk:

  • Keep software and systems up to date.
  • Take regular backups of important data.
  • Ensure that backups are stored separately from the regular systems.
  • Test regularly that the backups can be restored.
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Transport and logistics

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How to reduce the risk of damage during transport

Goods can be damaged during transport. With good routines for packing, handling and control, your business can reduce the risk of damage and delays.

Packing and hedging – how to protect your goods during transport

Good packaging and hedging can reduce the risk of damage during transport.

How the company can reduce the risk:

  • Use packaging that is adapted to the goods.
  • Ensure that the goods are stable and well secured.
  • Mark fragile goods clearly.
  • Check the packaging before dispatch.

Loading and handling – when goods are moved and transported

Goods are often handled several times before they reach the recipient. Proper handling can help reduce the risk of damage in transit.

How the company can reduce the risk:

  • Ensure careful handling during loading and unloading.
  • Use appropriate equipment when moving goods.
  • Secure the load properly before transport.
  • Provide employees with training in correct handling of goods.

Documentation and control – before and after transport

Good documentation can make it easier to identify errors and handle any damage if something happens during transport.

How the business can reduce the risk:

  • Check goods before dispatch.
  • Take photographs of valuable or vulnerable shipments.
  • Ensure good documentation of the shipment.
  • Check goods as soon as they are received.

Unsure which insurance you need?

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See our recommended insurance for your business

Many are unsure which insurance to choose for their business. Here you can select your industry and get tips on the most important insurance.

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