Risk Assessment Surveys

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As the recognized leader in risk-assessment TRS surveys provide high quality, up-to-date information on conditions and hazards.

TRS reports assist with loss control, risk management, rating and underwriting. All of our reports are structured to provide clear and concise information and qualitative risk assessment regardless of complexity or size of risk. Our surveys include information on the following:

• occupancy and associated hazards
• building construction and exposures
• internal protection systems such as fixed extinguishing systems and sprinkler systems
• adequacy of public fire protection including hydrants and fire station response
• all-risk exposure information such as flood, water damage, earthquake, collapse, impact, explosion etc.

From small retail to heavy industry our broad spectrum of surveys are fully-customizable and include the following:

A. Small to Mid-sized Properties

Risk Check Short Form
Designed for package policies this streamlined abridged report is suitable for small commercial properties with no special hazards. Reports provide an overview of risk conditions from a fire, premises liability and crime standpoint and include a risk assessment grading, improvement recommendations and photos.

Standard Commercial Report
Ideal for small to mid-sized commercial building owner and tenant risks, this report provides information on construction and exposure, along with crime, liability and all risk information. A “Special Hazards” section is included to describe the inherent exposures associated with certain occupancies. Reports provide an overview of risk conditions from a fire, premises liability and crime standpoint and include a risk assessment grading, improvement recommendations and photos.

Occupancy Specific Report
Occupancy specific reports contain all of the information in the Standard Commercial Report (above), plus additional information to describe the special hazards inherent in certain types of risks including cooking and food preparation operations, liquor liability, spray painting, flammable and combustible liquids dispensing and storage, hot work etc. These detailed reports include the following and additional formats can be developed to suit the needs of our clients:

• Apartments & Condominiums
• Restaurants Hotels and Motels
• Hardware stores & building supply dealers
• Religious facilities/churches
• Print shops
• Convenience stores
• Grocery stores
• Day care centres

B. Mid-sized to Large Complex Properties

Narrative Marketing Report
Physical inspections and risk control surveys are the core of our business. In each case, we provide a qualitative risk assessment that includes the identification of applicable risks and summary of controls in place. Existing gaps are highlighted and detailed within the body of the report. Photos, diagrams, and other attachments are included to help provide a clear perspective on all applicable aspects of the risk. TRS reports may include an overview section with summary information covering the positive and negative features of the risk, as well as recommendations. If required, we can provide Maximum Foreseeable Loss (MFL) and Probable Maximum Loss (PML) estimates according to our standard definitions, or customized to accommodate client definitions.

Comprehensive Risk Assessment Report
Our Risk Assessment 360 Report provides a more holistic review of all operational risks associated with the organization, or selected risks whether insured or not. Our reports provide senior management with an objective evaluation of the potential impact of each risk on the organization and the effectiveness of physical and management control systems currently in place. Additionally, TRS makes recommendations about improvements that are necessary to enhance the effectiveness of controls. This extremely valuable service brings a consultative approach to the broker-client relationship above and beyond the risk transfer needs of the client. The result is tangible, value added service and competitive advantage.

C. Specialty Properties
TRS provides a broad range of customized reports to a variety of clients covering complex risks and exposures. All reports can be customized to meet the specific needs of our clients. Some of the formats include:

• Product Liability Report
• Expanded Premises Liability Report
• Manufacturing and Sprinklered Risk Report
• Course of Construction Report
• Contractors’ Liability Report
• Fleet Survey Report
• Specialty Farm Report
• Warehouseman’s Legal Liability Report