Surface technology - whether powder coating, painting, anodizing or electroplating - often involves financial risks that are difficult to identify at first glance, but can quickly threaten a company's existence. This problem was clearly addressed in a discussion between Sven Hoffmann, industrial insurance expert, and Matthias Bader.
Practical example of risks in surface technology
A recent case shows the potential dangers: A company commissioned the coating of steel frames for screens worth 7,000 euros. A design error and the lack of adaptation to the requirements of the coating caused considerable damage. The other party initially estimated the claim in court at around 800,000 euros.
However, as this sum could not be proven with legal certainty, the claim was reduced to 500,000 euros. In the subsequent negotiations, there was an intense dispute about individual items, in particular about dismantling and installation costs that had been incurred in addition to the actual damage. The insurance companies involved were also unable to reach an agreement. The case is now before the courts - and the final decision is uncertain. This example shows impressively how small errors in construction or planning can quickly lead to high financial risks. Early consultation with experts and precise planning of the coating processes can help to avoid such costly disputes.
Such cases illustrate the urgent need for well thought-out risk management. Years of litigation and extensive expert opinions can cause companies existential difficulties. Suitable liability insurance that also includes a passive legal protection function is crucial here. In addition to settling justified claims, this insurance also offers defense against unjustified claims through specialized legal representation - an essential safety net for companies.
Insurance and legal protection as a safety net
Many companies only realize that there are gaps in their insurance cover when damage occurs. Sven Hoffmann has developed special insurance solutions for surface technology that cover typical risks such as processing errors and liability claims. They also take into account modern risks such as cyber attacks, for example through fraud or business interruption.
Proactive damage prevention
Prevention is a key component in minimizing risk and is the perfect complement to insurance cover. Regular training, well thought-out maintenance concepts and safety instructions are essential to identify risks at an early stage. An external perspective, such as that offered by Matthias Bader from the Pulverakademie, is particularly valuable here. With his many years of experience and extensive knowledge of industry-specific challenges, he helps companies to identify weak points and develop practical solutions. From process optimization to training directly at the plant, this approach ensures sustainable quality assurance.
Quality associations offer additional support through regulations that anchor high standards and sustainable quality in operational processes. A structured approach to risk assessment, which takes into account technical, organizational and personnel risks, forms the basis for holistic damage prevention.
Conclusion: Protect against liability risks with insurance cover
Financial risks in surface technology cannot be completely avoided, but they can be effectively managed with the right insurance cover and preventative measures. An individual protection plan - as developed by Sven Hoffmann - and the holistic consulting approach of Matthias Bader enable companies to remain capable of acting in crisis situations.
Timely protection is a decisive factor for long-term future security and competitiveness.
Anyone wishing to check their insurance cover independently can request a corresponding checklist. In just a few minutes, anyone can check whether their insurance cover is complete and whether all risks are covered. The white paper "Insurance check in surface technology" can simply be requested by e-mail with the subject "Insurance check". (OM-2/25)
The most important risk factors in the surface technology industry
- Processing of provided products: Errors in the process, for example due to inadequate pre-treatment, can result in high claims for damages.
- Complaints and liability claims: Strict quality requirements and complex processes increase the risk of expensive reworking. Typical problems include corrosion damage caused by faulty coatings.
- Shortage of skilled workers and staff turnover: Inadequately trained personnel increase the error rate, which can result in complaints and warranty claims.
About the Powder Academy
The Powder Academy is a platform for knowledge transfer and coaching in powder coating. It offers workshops, training courses and individual consultations for managers, coaters and design engineers. It is led by coating expert Matthias Bader, founder of the company Bader Pulverbeschichtung.