Insurance Risk Surveys
Independent insurance risk assessments to help property owners, brokers and insurers identify exposures, reduce risk, and support accurate underwriting decisions.
Insurer-ready risk reports
National coverage across Australia
Commercial and industrial properties
Qualified, experienced risk surveyors
What is an Insurance Risk Survey?
An Insurance Risk Survey is a professional assessment of a property and its surrounding environment, conducted to identify risks that may affect insurance exposure.
For many property owners, limited or unclear risk information can make it difficult for insurers to accurately assess a site, which may result in higher premiums or restrictive policy terms.
Insurance risk surveys, also known as Property Risk Surveys, provide a clear and documented overview of site risks and existing controls, supporting more informed underwriting decisions.
Who benefits from an Insurance Risk Survey?
Insurance risk surveys support a wide range of commercial stakeholders, including:
Demonstrating effective risk management supports positive insurance outcomes
Our insurance risk surveys are designed for a wide range of commercial and industrial environments, where operational complexity and site-specific risks require independent assessment.
We work with businesses and property owners across Australia, providing consistent, on-site risk surveys across a broad range of premises.
We provide insurance risk surveys for:
- Industrial and Manufacturing Facilities
- Warehousing and Storage
- Hospitality Venues
- Retail Outlets
- Breweries and Wineries
- Fuel Stations
- Strata Complexes
- Aged Care Facilities
- Schools
- and more...
What's involved in an Insurance Risk Survey?
Each insurance risk survey is tailored to the specific property and operation, taking into account site conditions, business activities and risk profile.
Methods may include:
Physical inspection of the premises
Risk control validation and identification of gaps
On site and desktop risk analysis
Typical areas of assessment may include:
Building Overview
Purpose, staffing, contractors and contractor management, company history, building materials
Hazmat
The presence of asbestos or other hazardous materials and gasses.
Geographic Location
Assessments against natural disasters or similar
Electrical
Electrical systems, PAT Testing, RCD Testing, illumination
Fires
Appliance testing, extinguishers, blankets and hose reels, sprinkler systems, evacuation plans, staff training
Loss Expectancy
Scenarios based on the operation of the site and external factors
Criminal Activity
Security, theft, access, potential damage from intruders
Public Liability
Maintenance, inspections, incidents, first aid, staff training, alcohol policy
What are the benefits of an insurance risk survey?
Insurance Risk Survey reports provide property owners with clear, independent documentation that can be used during insurance placement, renewal and negotiation.
In practical terms, this can support:
- More accurate risk pricing
- Broader or more appropriate coverage terms
- Improved insurer confidence
- Stronger positioning during underwriter discussions
For many businesses, a risk survey becomes a practical tool for navigating insurance conversations, rather than relying on assumptions or incomplete site information.
Service Areas
We have surveyors available nationwide, covering metropolitan and regional areas across all Australian states. Our current Surveyors are located in the following areas:
- Sydney
- Tamworth
- Byron Bay
- Newcastle
- Canberra
- Melbourne
- Gippsland
- Whittlesea
- Mount Gambier
- Adelaide
- Port Lincoln
- Perth
- Mandurah
- Yanchep
- Darwin
- Cairns
- Townsville
- Sunshine Coast
- Brisbane
- Toowoomba
- Gold Coast
Request an Insurance Risk Survey
We take a systematic, site-based approach to insurance risk assessment, helping property owners gain clarity and confidence when dealing with insurers. Get in touch to discuss a solution tailored to your site and requirements.