Module 03 · Underwriting-led risk services

Claims judgement, before the loss.

Our general adjusters have spent decades with the underwriters who wrote the risk and the claims that followed. We put that judgement in front of the bind.

Pre-bind, post-bind, mid-term and renewal surveys produce a scored report, a recommendation register and evidence-led closure — then a portfolio view across the book.

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Operating procedure

A recommendation is not complete until it is evidenced closed.

Stage 01

Request & scope

Receive the insured, risk, location, line, underwriting concern and client criteria; choose virtual or in-person deployment.

Owner: Underwriting
Output: Agreed survey brief
Control: Scope and advice boundary

Stage 02

Schedule & survey

Coordinate access and examine the operation against the exposure: premises, fleet, work practices, controls and loss history as relevant.

Owner: Surveyor
Output: Evidence and observations
Control: Line-specific survey form

Stage 03

Report & register

Produce a scored, photographed report with an executive view and recommendations assigned a priority, owner and target date.

Owner: General adjuster
Output: Report and recommendation register
Control: Technical review

Stage 04

Verify & learn

Chase evidence, re-inspect where required and show recurring exposures and completion across the portfolio.

Owner: Programme
Output: Evidenced closure and portfolio view
Control: No closure without evidence

Module responsibilities

Survey the exposure the underwriter actually writes.

The form and practitioner adapt to the line and occupancy; the reporting discipline remains consistent.

Lane 01

Commercial auto & trucking

Drivers, units, maintenance, telematics, yards, subhaulers, dispatch and cargo securement.

Returns: fleet risk grade and prioritised actions

Lane 02

Property

Construction, occupancy, fire protection, security and catastrophe exposures including flood and earthquake context.

Returns: property risk view and recommendations

Lane 03

General liability

Premises, products, liquor, visitors, surfaces, contracts and operational controls.

Returns: liability observations and action register

Lane 04

Workplace & construction

Exposures, safety management, loss analysis, job sites and subcontractor controls.

Returns: control assessment and evidence requirements

Service controls

Service standards that travel with the module.

Reviewable at every handoff

Your criteria

Survey forms are tailored by line and occupancy to the client’s underwriting guidelines and review needs.

Underwriter first

The first page expresses the opinion of risk, material controls and actions for the underwriting decision.

Owned recommendations

Every action has a priority, owner, target date, status and evidence requirement.

Advice boundary

The service recommends and evidences; it does not certify or enter work requiring an engineer’s stamp.

What you receive

A report built to drive an underwriting decision.

The first page gives the position; the body shows the operation, exposure, controls and evidence behind it; the register keeps actions alive after issue.

Executive summary

Risk profile, opinion of risk, material strengths and concerns.

Exposure & controls

Narrative of operations, line-specific exposures and control assessment.

Evidence

Captioned photographs, observations and loss analysis where provided.

Recommendation register

Priority, owner, target date, status, evidence and re-inspection outcome.

Who we work for · Accounts served through loss control. · Approved vendor & trusted partner