{"id":2537,"date":"2020-10-22T08:14:10","date_gmt":"2020-10-22T01:14:10","guid":{"rendered":"http:\/\/ligaasuransi.com\/?p=2537"},"modified":"2025-01-01T13:45:39","modified_gmt":"2025-01-01T06:45:39","slug":"bagaimana-peran-surveyor-risiko-asuransi-di-lapangan","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/bagaimana-peran-surveyor-risiko-asuransi-di-lapangan\/","title":{"rendered":"What is the Role of an Insurance Risk Surveyor in the Field?"},"content":{"rendered":"<p><a href=\"http:\/\/ligaasuransi.com\/7-berita-kecelakaan-fatal-minggu-ke-3-oktober-2020\/\"><span style=\"font-weight: 400;\">Liga Asuransi<\/span><\/a><span style=\"font-weight: 400;\"> &#8211; To get the best insurance coverage, insurance companies need complete information about the real condition of the insured assets.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The best way to get this information is to carry out a direct survey of the location of the insured object by a risk surveyor or better known as a risk surveyor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The report produced by the risk surveyor will determine whether the assets to be insured can be accepted or rejected by the insurance company. The survey results can also determine the extent of coverage, the amount of insurance premiums and certain conditions that will be provided by the insurance company.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Good quality survey results are those that meet the Health and Safety Environment (HSE) standards that apply in a particular industry.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To find out more about the risk survey, we will explain it further. We hope that this article will help all parties so that the quality of the survey results improves and is profitable for the insured and insurer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>What Does an Insurance Surveyor Do?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Insurance risk surveys can be categorized into three areas:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liability (or accident) surveys primarily look at health &amp; safety issues that may be affected by your business operations.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property surveys concentrate on possible fire and safety issues.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Business Disruption Survey looks at how disasters can affect your business, how you can deal with them, and how you can recover to trade successfully again.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In some cases, surveys may combine all three at once.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">An insurance risk surveyor will carry out surveys, collate and assess risk information on site, record assessments, collect photographic evidence and prepare detailed reports.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">During the survey, they can advise on any opportunities to reduce the risk of future insurance claims. They will also make recommendations to the underwriter about necessary improvements.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>What Insurance Risk Surveyors Look for\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Four very common insurance risks seen by insurance surveyors are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fire and hazards &#8211; examine plans, construction and fire protection systems to assess risks to the building and its contents.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidents and Liability &#8211; assess possible risks to employees, customers and visitors to the building or site.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Engineering insurance \u2013 surveying mechanical and industrial plants, machinery and equipment for faults and risks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Theft and Burglary &#8211; inspecting business premises to check security and storage methods.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>What Should You Do For an Insurance Risk Survey?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Make sure you are available at the agreed time and provide space for the surveyor to sit and ask questions. Tea or coffee and some biscuits would likely be well received too.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">An insurance risk surveyor will want to see all relevant documents. Gather them all together and take a few minutes to get used to them before they arrive.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For liability surveys, this will likely include your health and safety policies, risk assessments and training records.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Alarm specifications and any security contracts will be required for the property survey.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And a business interruption survey will require a copy of your business continuity (disaster recovery) plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Surveyors will want to walk around the site, partly to familiarize themselves with the business and also to identify areas that may need attention. They may take photos while doing this.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It&#8217;s helpful to have someone who has the power to make things happen. In many cases, you may be able to address the requirements directly and avoid including them in the report. It also shows that you take the process seriously.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is your chance to highlight the good points of your business, especially if they relate to the topic at hand. And it goes without saying that all your answers must be based on facts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>What Could Happen Next?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The surveyor&#8217;s report is likely to give you a list of requirements and recommendations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>Insurance Risk Report Requirements\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">This must be done, is often a legal requirement, where non-compliance may result in a reduction or removal of cover by your insurer. You will be given a timeframe to comply.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>Insurance Risk Report Recommendations\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">These are designed to comply with best practices but are usually not followed through.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If housekeeping and compliance standards are good, they may do nothing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Keep in mind that <\/span><i><span style=\"font-weight: 400;\">risk surveyor <\/span><\/i><span style=\"font-weight: 400;\">insurers have probably seen it all before, so don&#8217;t be afraid to ask questions. Most will be happy to give you the benefit of their experience.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>High Risk Insurance Survey\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Some sectors are considered to have a higher level of risk than others.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While retail and recreational businesses may have lower risk, as do their stores, they also have some higher risk sites.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">National distribution warehouses likely contain thousands, if not hundreds of thousands, worth of stock. In this case, complying with insurance coverage is essential.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, larger properties such as hotels and some nursing homes are seen as higher risk by insurance companies because the people they contain are worth more than shares.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because of these risks, surveyors will inspect the premises from time to time, often annually or biannually, and sometimes, if the estate is large, this can happen randomly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fortunately, at TPG we are experienced in all aspects of insurance risk surveys and can carry out the required work identified.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our qualified building surveyors help our clients decide the best course of action to comply with before our building and facilities team undertakes the work to ensure compliance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Apart from carrying out the best insurance survey by carrying out the risk recommendations submitted by the surveyor, the next step to get the best insurance guarantee is to always use the services<\/span><a href=\"http:\/\/lngrisk.co.id\"> <span style=\"font-weight: 400;\">insurance broker<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With all his abilities and expertise <\/span><b>insurance broker<\/b><span style=\"font-weight: 400;\"> will use the survey results to negotiate with several insurance companies to obtain the best insurance terms and conditions, including negotiating premium rates<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Furthermore <\/span><i><span style=\"font-weight: 400;\">insurance broker<\/span><\/i><span style=\"font-weight: 400;\"> will help the client to always carry out the recommendations given by the risk surveyor so that the insurance guarantee is in full effect and no requirements are missed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For all your insurance needs, contact L&amp;G <\/span><a href=\"https:\/\/lngrisk.co.id\"><span style=\"font-weight: 400;\">Insurance Broker<\/span><\/a><span style=\"font-weight: 400;\"> Now!<\/span><\/p>\n<p><b>\u2014<\/b><\/p>\n<h3><b>DON&#8217;T WASTE YOUR TIME LOOKING <\/b><a href=\"https:\/\/lngrisk.co.id\/insurance-products\/marine-cargo-insurance\/\"><b>MARINE CARGO INSURANCE<\/b><\/a><b> &#8211; CONTACT US NOW<\/b><\/h3>\n<h3><b>24 JAM L&amp;G HOTLINE:<\/b><a href=\"https:\/\/api.whatsapp.com\/send?phone=628118507773&amp;text=Halo%20L%26G%20Risk,%20Saya%20mau%20menanyakan%20lebih%20detil%20mengenai%20asuransi.%0D%0A%2D%2D%2D%0D%0ANama%3A%0D%0APerusahaan%3A%0D%0AJenis%20Asuransi%3A%0D%0AObjek%20yang%20diasuransikan%3A%0D%0A%2D%2D%2D%0D%0AMohon%20hubungi%20saya%20segera%21\"><b> 0811-8507-773<\/b><\/a><b> (CALL \u2013 WHATSAPP \u2013 SMS)<\/b><\/h3>\n<p><b>website: lngrisk.co.id<\/b><\/p>\n<p><b>Email: customer.support@lngrisk.co.id<\/b><\/p>\n<p><b>\u2014<\/b><\/p>","protected":false},"excerpt":{"rendered":"<p>Liga Asuransi &#8211; To get the best insurance coverage, insurance companies need complete information about the real condition of the insured assets. The best way to get this information is to carry out a direct survey of the location of the insured object by a risk surveyor or better known as a risk surveyor. The [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":2540,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[478,479,559,577,587],"class_list":{"0":"post-2537","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-general-insurance","8":"tag-manajemen-resiko","9":"tag-manajemen-risiko","10":"tag-risk-management","11":"tag-survei-asuransi","12":"tag-top-news-asuransi"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/2537","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/comments?post=2537"}],"version-history":[{"count":1,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/2537\/revisions"}],"predecessor-version":[{"id":5905,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/2537\/revisions\/5905"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/2540"}],"wp:attachment":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=2537"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=2537"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=2537"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}