Industry practices

Drawing on one of the industry's largest global networks to match our customers with an RSA expert in their sector, we apply international expertise at a local level in our areas of specialism: Rail, Renewables, Chemical, Food and Beverage, and Real Estate.

Our goal is to provide sustainable, profitable performance for our customers, whatever their shape and size, and wherever they operate.

With a focus on loss prevention, our risk engineers use data, digital tools and insights to help customers in these demanding industries to make informed decisions and implement effective risk management strategies.

Our industry practices


RSA is a market leader in the provision of specialist insurance and risk management solutions for companies in the rail industry worldwide. We participate in cover for 65 customers and counting, including three of the world’s top five rail companies, and have led major claims including the Grayrigg, Wetteren and Strasbourg derailments.

Our risk engineers help customers in the rail sector to actively manage and control risks across rail networks and embed a safety-first culture to protect rail users, secure long-term investment and reduce insurance premiums.

We have a broad risk appetite spanning passenger operators; metro and underground operators; light rail operations; freight operators; rolling stock owners and lessors; rail infrastructure; heritage rail; rail and carriage manufacturers, repairers and refurbishers; and rail engineering and maintenance companies.


We are a leading renewable energy insurer in onshore wind and solar, and our sister company, Codan, leads the market in offshore wind. We have considerable interest in the wave and tidal energy technology sector, which has the potential to meet a sizeable proportion of global electricity demand, and bio-energy technologies.

Our international team of renewable energy underwriters has over 600 years’ collective experience and we can provide cover in over 170 countries and territories. Our appetite spans the Renewables value chain – from technology manufacturing and the early transportation of materials through to the construction phases, and the provision of a full insurance solution for the operational life of the facilities.


RSA works with some of the world’s largest commodity and specialty chemical and pharmaceutical companies to provide innovative insurance and risk management.

Our risk appetite spans organic intermediates, organic feedstocks, inorganic chemicals, specialty chemicals, biofuels, polymers, polymer fibres and textiles, industrial gases, fuel gases, storage, and pharmaceuticals.

Our Chemical team, based in Europe, is made up of specialist risk engineers who work with our customers to tailor cover and risk profiles. We also offer chemical risk assessments to help customers anticipate challenges and minimise exposures, including fire and explosion assessments. Over the last five years, our risk consultants have made over 1,800 chemical risk improvements on more than 100 sites worldwide.

We also have a suite of digital risk management tools including RSAred, our award-winning risk management software, to manage risk engineering data in real-time, and our Damage tool, which makes detailed fire and explosion loss calculations. These insights can be applied to eliminate adverse financial exposure, reduce the frequency of avoidable losses, and help focus and prioritise risk management funding.

Food and Beverage

With a focus on managing, controlling and reducing risks, we provide specialist insurance and risk management solutions for the food and beverage industry. We work with customers to develop insurance programmes covering the most complex risk across multiple international locations. Our cover allows many of the world’s largest food and beverage producers the confidence to operate globally.

Effective risk management can also help food and beverage companies to fulfil their obligation to protect the health and safety of their employees, minimise financial losses that may not be covered by insurance, increase profitability through improved quality and safety, and enhance their brand reputation.

Our risk consultants develop pragmatic solutions to reduce risk exposures, helping implement cost-effective loss prevention strategies to reduce the frequency and severity of losses. With the sector witnessing a rising tide of product recalls, our product recall solution has been designed to combat this growing threat.

Real Estate

With over 300 years’ experience in designing insurance programmes for the real estate sector, RSA is uniquely placed to understand the demands placed on commercial property owners.

Our risk management experts work with property owners to design and deliver loss prevention programmes that support the management and growth of their property portfolio. This advice ranges from improving fire protection to increasing resilience to unforeseen events through proactive risk management.

We help property owners and managing agents to understand their risks through assessments including tenant occupancy profiles, targeted site visits and procedural and protocol reviews.

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Annual Reports and Accounts 2018