Liability Assessments

Why Liability Assessments matter for modern businesses

At the core of our Liability Assessment Service are three interconnected pillars that transform uncertainty into actionable resilience.

Together, these pillars enable businesses to shift from reactive uncertainty to proactive protection, embedding strong liability management into their operations.

1. Understand

Comprehensive mapping of the liability landscape, analyzing operational processes, supply-chain relationships, and historical incident data to uncover both obvious and hidden risks.

2. Quantify

Translation of these insights into robust financial models that stress-test a full spectrum of loss scenarios, providing precise probability and cost estimates for potential exposures.

3. Protect

Development of targeted mitigation strategies – combining policy structure recommendations, process improvements, and control measures – to protect against the most significant losses.

What sets us apart

Creating added value for businesses through a structured and thorough approach, this product pairs quantitative scenario analysis with focused service segmentation. It addresses general third-party risks, product liability and recall risks, as well as environmental risks. Actionable roadmaps and clear reporting support practical decision-making, while continuous monitoring and adaptation ensure businesses stay ahead in managing liability risks and maintaining operational security.

Curious?

This is how working with UNIQA Sustainable Business Solutions could look like:

Liability assessment

Ein Tiefkühlkostvertrieb identifiziert durch die Haftungsbewertung ein veraltetes Kühlsystem als Risikoquelle. Ein simuliertes Szenario zeigt, dass ein Ausfall zu Umweltschäden und Klagen führen könnte. Durch präventive Wartung und Notfallkonzepte wird das Risiko minimiert und die Betriebssicherheit erhöht.

How it works – a step-by-step structured process

Risk identification

Mapping the entire operational, product, and third-party footprint – through document reviews, stakeholder interviews and on-site visits – pin-points the liability exposures most critical to the business.

Scenario analysis

Leveraging expert workshops and event-tree analysis to construct realistic “what-if” scenarios – from minor incidents to worst-case failures – captures the full spectrum of potential losses.

Quantification

Proprietary financial models translate each scenario into euro-value estimates, covering bodily injury claims, property damage, environmental remediation, legal fees, reputational impacts, and more.

Evaluation & scoring

Each risk scenario is assessed for likelihood and severity using Key Risk Indicators (KRIs) and “As If” scores, ranking exposures on a standardized scale to produce an at-a-glance liability heat map.

Recommendations

A prioritized suite of risk-mitigation measures –spanning controls, processes and policy adjust-ments – designed to reduce both the likelihood and impact of adverse events.

Monitoring & continuous support

Continuous tracking of Key Risk Indicators and periodic review cycles to recalibrate scenarios and financial models, update mitigation measures, and deliver ongoing advisory and reporting –ensuring sustained resilience and adaptability to emerging liability exposures.

Liability process?
Industry example

A luxury hotel’s spa cooling towers harbor Legionella bacteria, and several guests develop severe pneumonia after using the facilities. The affected guests sue the hotel for negligence, claiming medical bills, lost vacation enjoyment and ongoing health monitoring. 
A Tier-2 supplier manufactures an electronic sensor used by a major automaker in its anti-lock braking system. A batch defect causes the sensor to intermittently fail under wet conditions, disabling ABS and leading to multiple rear-end collisions.
A major frozen-foods distributor’s aging refrigeration system ruptures, releasing thousands of kilograms of ammonia into the surrounding air and nearby watercourses when emergency runoff enters storm drains. Local residents report respiratory distress and several small businesses – cafés and grocery stores – temporarily close due to tainted air and water.

Secure the future of your business with UNIQA Sustainable Business Solutions.