{
  "id": "riskg-power-generation",
  "type": "risk-guideline",
  "languages": {
    "en": {
      "id": "riskg-power-generation",
      "lang": "en",
      "type": "risk-guideline",
      "title": "Power Generation Plants – Risk Profile and Loss Prevention",
      "shortDefinition": "Power generation plants are electricity-producing facilities whose risk profile is shaped by a high concentration of asset values, complex machinery trains and often limited redundancy of key components.",
      "synonyms": [
        "Power plant risk",
        "Electricity generation facility"
      ],
      "linesOfBusiness": [
        "Property"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Risk assessment",
        "Machinery breakdown",
        "Fire protection"
      ],
      "relations": {
        "relatedTerms": [
          "riskg-transformers",
          "riskg-switchgear-protection",
          "riskg-steam-turbines",
          "riskg-gas-turbines",
          "riskg-emergency-power"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks",
          "cov-maschinenversicherung",
          "cov-business-interruption"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [
        "FM Data Sheet 7-109: Fuel Fired Thermal Electric Power Generation Facilities",
        "VdS 3132: Fire Protection in Power Plants",
        "NFPA 850: Recommended Practice for Fire Protection for Electric Generating Plants"
      ],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-01",
      "generated": {
        "by": "cursor-agent/claude-sonnet-5",
        "at": "2026-09-01T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/en/knowledge/risk-engineering/power-generation-plant-risk-profile/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/risk-engineering/kraftwerke-risikoprofil/",
      "body": "## Risk drivers\n\nPower plants concentrate high asset values on a comparatively small footprint in the form of turbine generator sets, boilers, transformers and switchgear. Failure of a single major component – such as a main generator or generator step-up transformer – can cause business interruption of several months due to long replacement lead times, regardless of whether the facility is a thermal plant, wind farm, solar plant or hydroelectric station. In addition, combustible operating media such as turbine lubricating oil, hydrogen-cooled generators and extensive cable installations can rapidly expose several plant areas simultaneously in the event of fire.\n\n## Protection concept\n\nA risk-adequate protection concept combines automatic suppression for transformers and turbine halls, redundant protection and control systems, tested emergency power supply for safety functions, and a structured condition monitoring programme for rotating machinery. Because each generation technology – thermal, wind, solar, hydro – carries its own additional hazards, technology-specific measures complement the shared baseline protection concept.\n\n## Insurance relevance\n\nGiven the high value concentration and long replacement times for critical components, maximum foreseeable loss analysis is a central element of every risk survey at power plants. Property and machinery insurers regularly require documented maintenance programmes and spare-parts strategies for key components as a condition for risk-adequate cover."
    },
    "de": {
      "id": "riskg-power-generation",
      "lang": "de",
      "type": "risk-guideline",
      "title": "Kraftwerke – Risikoprofil und Schadenverhütung",
      "shortDefinition": "Kraftwerke bezeichnen Anlagen zur Stromerzeugung, deren Risikoprofil durch hohe Konzentration von Sachwerten, komplexe Maschinensätze und eine oft geringe Redundanz einzelner Kernkomponenten geprägt ist.",
      "synonyms": [
        "Kraftwerksrisiko",
        "Stromerzeugungsanlage"
      ],
      "linesOfBusiness": [
        "Sach"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Risikobewertung",
        "Maschinenbruch",
        "Brandschutz"
      ],
      "relations": {
        "relatedTerms": [
          "riskg-transformers",
          "riskg-switchgear-protection",
          "riskg-steam-turbines",
          "riskg-gas-turbines",
          "riskg-emergency-power"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks",
          "cov-maschinenversicherung",
          "cov-business-interruption"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [
        "FM Data Sheet 7-109: Fuel Fired Thermal Electric Power Generation Facilities",
        "VdS 3132: Brandschutz in Kraftwerken",
        "NFPA 850: Recommended Practice for Fire Protection for Electric Generating Plants"
      ],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-01",
      "generated": {
        "by": "cursor-agent/claude-sonnet-5",
        "at": "2026-09-01T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/de/wissen/risk-engineering/kraftwerke-risikoprofil/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/risk-engineering/power-generation-plant-risk-profile/",
      "body": "## Risikotreiber\n\nKraftwerke konzentrieren auf vergleichsweise kleiner Fläche hohe Sachwerte in Form von Turbosätzen, Generatoren, Kesseln, Transformatoren und Schaltanlagen. Ein Ausfall einer einzelnen Grosskomponente – etwa eines Hauptgenerators oder Maschinentransformators – kann wegen langer Lieferzeiten für Ersatzteile zu Betriebsunterbrechungen von mehreren Monaten führen, unabhängig davon, ob Wärmekraftwerke, Windparks, Solarkraftwerke oder Wasserkraftanlagen betroffen sind. Zusätzlich bestehen brennbare Betriebsstoffe wie Turbinenöle, Wasserstoffkühlung bei Generatoren und umfangreiche Kabelanlagen, die im Brandfall rasch mehrere Anlagenteile gleichzeitig gefährden können.\n\n## Schutzkonzept\n\nEin risikogerechtes Schutzkonzept kombiniert automatische Löschanlagen für Transformatoren und Turbinenhallen, redundante Schutz- und Leittechnik, geprüfte Notstromversorgung für Sicherheitsfunktionen sowie ein strukturiertes Zustandsüberwachungsprogramm für rotierende Maschinen. Da die einzelnen Erzeugungstechnologien – thermisch, Wind, Solar, Wasserkraft – jeweils spezifische Zusatzrisiken aufweisen, ergänzen technologiespezifische Massnahmen das gemeinsame Grundschutzkonzept.\n\n## Versicherungsrelevanz\n\nWegen der hohen Wertkonzentration und der langen Wiederbeschaffungszeiten kritischer Komponenten ist die Maximum Foreseeable Loss-Betrachtung ein zentrales Element jeder Risikobesichtigung bei Kraftwerken. Sach- und Maschinenversicherer verlangen regelmässig dokumentierte Instandhaltungsprogramme und Ersatzteilstrategien für Schlüsselkomponenten als Voraussetzung für eine risikoadäquate Deckung."
    }
  }
}