EFFECTIVE CLIENT LIASON

An IRS risk surveyor gladly receives the survey request to conduct the insurance survey from the Insurance company or related agents. The surveyor will carefully CHECK OUT the risk and collect the correct contact details of the representative of the company where the survey will be conducted.

Since this process is not always a smooth process, we will do our utmost to secure an appointment with the client without any problems.

We will arrange an actual date and time and our target is to always to be on time, courteous, friendly and engage professionally to make the client feel at ease. We prefer to get a positive appointment by calling the business number, cell number, use WhatsApp or by emails.

To speed up matters and relationship it is always advisable from the underwriter to have the broker inform our client of the visit.

We will always try to strike an appointment that suit the client and will lay out ahead of time what our purpose and reason for the visit will be, how long the survey will take and what we expect to do when on site.

Meeting the correct person is vital in that we require all risk information and important compliancy documentation that will aid the acceptance of the risk.

Conduct Physical risk inspections

INTERVIEW

In order to collect accurate risk information about the business we insist on sitting around the table and engage in an interview session with the risk manager.

PHOTOS

We are very aware of the sensitivity around the POPI ACT and openly engage the risk manager and do request permission to take photos that will be strictly use by their Insurers underwriters for internal use only.

THE INSPECTION

The physical inspection is to do a walk through the business with the guidance of the risk manager and observe all risk related details regarding.

• External protections at the business and identify hazards and how well or not the business security protections are acceptable.
• Internal operations limited to the risk classes insured on the policy and identify hazards and risks that would likely cause loss or damages. A rather walk in the front door to the back door scenario and reporting on what is in between.
• Surrounding neighbourhood hazards that is likely to cause loss or damage to the business or in reverse the liabilities of the business to surrounding properties due to its operations.
• Closing out meeting with the risk manager and discussion on the problems observed and improvements suggested.
• Our mode of observations and application are that business complies to the best of the minimum expected standard of SANS 10400, OCCUPATIONAL HEALTH AND SAFETY and the NATIONAL BUILDING REGULATIONS.

PROVIDE A SURVEY REPORT

The survey report will be prepared with the aim to describe the risk inspected to the underwriter.

The risk will provide details of the hazards and risks identified and set forth and relevant risk measures as recommendations or as risk reduction requirements. The objective is to minimise losses for the insured and the Insurer.

The report will address fire safety and security reporting and underwriting risk opinions on EML/MPL (Estimated maximum loss) and /or(Maximum possible loss )as required by Insurers Reinsurance programmes.

There may be incedences that some risks may have to be cancelled.

Following the risk inspection, it may be found to be of such a poor nature that the positive features outweigh the adverse features at the business. The writer will clearly notify the Insurer in the survey report and the risk surveyor will state clearly that it would be in the insurers best to cancel and/or decline the business.

The fully described survey report will be emailed on PDF document to the Underwriter who requested the survey report.