Underwrite with evidence,not assumptions.

A pre-loss risk survey is an independent inspection of a property or operation before an insurance policy is written or renewed. It documents construction, occupancy, protection and exposures so insurers can price the risk accurately and owners can fix problems before they become claims.

Ideally six to eight weeks before the policy renews. That leaves time for the site visit, the report and any risk improvements the underwriter asks for, so renewal terms reflect the current condition of the risk rather than a survey that is several years old.

Every report follows a structured, insurer-ready format: site details and construction, occupancy and processes, fire protection and security, observed hazards with photographs, recommended risk improvements ranked by priority, and an overall survey rating. Reports are written to be actioned by underwriters, not filed away.

We aim to attend Lagos sites within 24 to 48 hours of instruction, and other Nigerian locations within a few days. Our target is a completed report within 48 hours of the site visit, and we always confirm a firm timetable before work starts.

The report is shared exactly as you instruct. Insurers and brokers use it to set terms, asset owners and lenders use it to plan capital work, and acquirers use it in due diligence. Because we are independent, the findings stand on their own.