Our Inspection Process.
Do you have an inspection coming up?
Here is what to expect if your property is inspected by your insurance provider.
When do we inspect?
It differs by program and type of risk. Your broker will keep you informed.
Why do we inspect?
To correct hazards that may cause claims. This helps protect people and property, and controls claim costs to keep insurance prices stable and affordable. The inspection is also used to confirm exposure information so that we're charging the right premium and that the property meets our program eligibility requirements.
What do we look for?
A property that is well maintained and has owners and tenants that care is very valuable to us. The inspection provides verification of the exposure and life safety information presented to us in the application.
How do we get the information we need?
We make a physical or visual inspection of the premises and possibly have a telephone interview with the person responsible.
What happens after we inspect?
You may receive recommendation(s) with communication outlining three possible results:
- An ineligible risk
- Essential recommendation(s)
- Risk improvement recommendation(s)
Will your premium be affected?
Changes to the risk description and/or exposure information identified in the inspection may result in a change in premium. It may result in a requirement for a premises improvement to conform to the information that was originally submitted to us. Or may require the removal of a hazard that increases the property's exposure to loss.
Could your policy be canceled?
Cancellation of coverage may result if compliance with recommendations is not achieved or if the information differs materially from that which was originally given to us.
What we like to see in the properties we insure
- Smoke detectors installed and in working order
- Life safety requirements (based on construction and number of stories) which may include: emergency lighting, illuminated exit signs, fire alarms, sprinkler systems that are maintained and tested, and a secondary means of egress
- Roofs in satisfactory condition
- Plumbing systems in satisfactory condition
- HVAC systems in satisfactory condition
- Electrical / wiring in satisfactory condition
- No trip and fall hazards in interior and exterior stairwells, sidewalks, parking lots or grounds
- Retrofits on all aluminum wiring connections
- Clean and regularly maintained laundry rooms (including lint build-up)
- Safety procedures for steam room, sauna and hot tub operations and equipment
- Safety procedures for pool operations and equipment
- Safe storage of flammable liquids and rags
- Hazard-free commercial cooking including fire suppression and safety planning
- Specific life safety plans in the event of a day care on premises
- Certificates of insurance and contractual language in place as respects: tenants, service vendors, and subcontractors, et al.
- Outdoor lighting
- Proper storage and safety planning for exercise equipment and free weights
- Playground safety standards
- Unobstructed and working sprinkler / fire alarm systems with certificates of annual tests performed (where applicable)