Risk Solutions for Original Equipment Manufacturers (OEMs)
Helping OEMs turn connected equipment and data into performance backed commitments
OEM Risk Solutions:
Strengthen your product promise with insurance-backed guarantees that help OEMs stand behind performance commitments
OEM Data Solutions:
Turn connected product data into insurance-relevant insights that unlock new offerings and create new revenue channels
The OEM ecosystem is changing
We help keep you up
OEMs are moving beyond traditional product sales toward service-led models. In this new dynamic, customers expect measurable uptime, greater efficiency, improved reliability, and stronger performance. Connected equipment, operational data, and IoT-enabled insights are creating new opportunities to deliver value through subscription-based offerings, Equipment-as-a-service models, and performance-backed commitments.
As digital services become more common, OEMs need ways to stand out by creating lasting customer relationships through better support, improved user experiences, and reduced financial uncertainty tied to performance promises.
Munich Re's OEM Risk Solutions help OEMs navigate this shift with insurance-backed and data-driven capabilities designed to support new revenue models, strengthen market differentiation, and build customer confidence.
$236 billion
Is what the equipment-as-a-service market is projected to exceed by 2035
OEM scaling challenge*
Connected equipment is creating new opportunities, but scaling digital offerings remains difficult
It pays to stay ahead with Munich Re
Learn how data-driven performance guarantees can enhance the value of OEM digital services:
Go beyond loss compensation
Achieve better outcomes with data-driven guarantees
Traditional guarantee programs can help compensate for losses, but they depend on manual reporting, documentation, and claims processes that inconvenience customers and make programs harder to scale.
Data-driven guarantees change the experience by using connected data to help identify events, make review easier, and support faster claims resolution.
For OEMs, that translates into a stronger way to stand behind performance commitments. For customers, it means less administrative burden, greater confidence, and a guarantee experience that feels connected to the product or service they already rely upon.
Classic guarantee programs
- The customer reports and documents the event
- Information must be collected manually
- Customer manually reviews and verifies information
- Resolution can take days or weeks
- Customers navigate a separate administrative insurance process
Data-driven guarantees
- Real-time asset data identifies the event
- Relevant information is readily available through connected data
- Real-time performance data enables automated assessment
- Data helps accelerate resolution
- Guarantees are seamlessly embedded into the customer experience
Turn risk insight into data-driven offerings
Munich Re’s IoT Data Platform (IDP) brings OEMs, insurers, and service partners together in one secure framework. By enabling transparent measurement and automated validation, it helps OEMs bring data-driven guarantees to market with greater confidence — and deliver a smoother experience for customers.
Discover how connected data delivers
Connect with confidence
Data, service commitments, and insurance capabilities in one secure platform
Measure what matters
Gain real-time insights and automated validation to drive accuracy and operational efficiency
Deliver more value
Turn risk insight into value-added offerings that build trust and strengthen relationships
Our capabilities are designed to help OEMs stand behind performance promises with confidence. Munich Re offers solutions across industries — tailored to your connected equipment and service models.
Repair Warranty
Helps OEMs stand behind repair commitments by providing financial coverage when covered equipment failures exceed expected performance.
Energy Efficiency
Supports OEMs in guaranteeing defined energy savings or emissions reductions, with financial compensation available if agreed targets are not met.
Availability Guarantee
Helps OEMs guarantee a defined level of uptime or availability, with compensation triggered when agreed performance targets are not achieved.
Help OEMs move from reactive risk management to proactive performance assurance
OEMs are under pressure to deliver more than equipment. They need to prove performance, support new service models, and build customer confidence. With Munich Re and HSB’s OEM Risk Solutions, you can turn connected data into insurance-backed offerings that help reduce uncertainty and help the business grow.
Our capabilities are designed to help OEMs stand behind performance promises with confidence.
Our case studies demonstrate how we have helped leading OEMs achieve greater efficiencies, reduce uncertainty, and bring performance-based offerings to market.
Technology has changed — but our mission has not. For over 160 years, Munich Re and HSB have helped businesses adopt new technologies with confidence. By combining engineering expertise, data-driven risk assessment, and global insurance capacity, we help OEMs transform innovative digital services into scalable business models.
As part of the Munich Re Group, HSB combines specialized engineering expertise with global insurance and reinsurance capacity. Together, we provide the financial strength, international reach, and industry knowledge required to support OEM programs worldwide.
Increase customer adoption
Reduce customer hesitation and strengthen the business case for adopting your solution.
Scale faster
Replicate successful service programs across customers and markets.
Build trust
Reinforce performance commitments with validation from a trusted third party.
Create predictable revenue
Turn projected performance into recurring revenue.
Transfer performance risk
Share performance risk with a trusted partner and grow.
Stand out from competitors
Differentiate offerings with guarantees that build trust.
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