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Loss & Safety Audits / Premium reviews

An important factor of underwriting a risk is understanding it. We offer a comprehensive loss and safety audit service for potential insureds in order to ensure that they are a viable risk. This service is well received by a number of our clients and is often included as a warranty under the policy where it is deemed appropriate to perform such audits.

An example of an audit would include, but not limited to:

  • A brief history of the company including operations.
  • Verification of the information given on the insurance submission including payroll and number of employees.
  • Review the company safety program, including training, safety meetings and job safety awareness, the availability of recognized safety equipment to employees, equipment maintenance, and safety reward schemes.
  • Hiring practices including prospective employee screening and post offer drug screening.
  • To provide a detailed report with improvement recommendations (if required).

We also perform premium reviews at expiry of policies that were underwritten on a minimum and deposit (M&D) type premium payment.

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