Electricity Distribution & Grid Infrastructure
We design specialized insurance and reinsurance programs for geographically dispersed utility networks. Our focus is on managing widespread loss scenarios while preserving service continuity and regulatory stability.
Electricity distribution networks differ significantly from conventional industrial risks. Assets are geographically dispersed, continuously operating and regulated as public utility services. The primary exposure is not only physical damage but service interruption and regulatory consequence.
Cresta analyses distribution operations from a field-operational perspective and designs insurance and reinsurance solutions adapted to high-frequency loss environments. Program design focuses on widespread loss scenarios rather than isolated catastrophic events.
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• Licensed electricity distribution companies
• Regional grid operators
• Medium and high-voltage networks
• Underground and overhead lines
• Substations and switching stations
• Metering infrastructure
• SCADA and remote control systems
• Maintenance and emergency repair operations
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Unlike industrial facilities, distribution networks are exposedto multiple simultaneous small losses rather than single largeincidents.
• Storm, snow and icing damage to lines
• Wildfires and environmental impact
• Flood and landslide exposure
• Vehicle collisions and third-party interference
• Equipment and insulation failure
• Grid collapse and cascading outages
• Regulatory penalties from service interruption
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Cresta structures layered protection programmes beyond traditional property policies, specifically designed for utility operations:
• Reinsurance layers tailored to widespread loss events
• Deductible optimisation for frequency-driven claims
• Catastrophe modelling scenarios
• Serial loss management frameworks
• Liquidity planning for rapid claims settlement
The objective is not merely asset reinstatement but preservation of service continuity and financial stability.