Insurance Surveyors

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ABOUT RISKEX

OUR COMPANY

Riskex Pty Ltd is staffed by experienced, tertiary qualified risk management professionals. We are a professional consulting firm offering personalised and specialised property and liability risk management products and services to the insurance industry and its customers. Our consultants have worked in all facets of risk management, as Facilities Managers, Risk Managers, Consultants, Expert Witnesses and Underwriters.

OUR PHILOSOPHY

Our focus is to provide risk management products and services related to Property and Liability. The quality clients to whom we are targeting our services, realise that managing risks involves protecting employees, customers, property and the business overall. We therefore offer our skills and experience in all areas of Risk Management including: Liability (Products and Public), Property Protection, Occupational Health & Safety, Environment and Incident Investigations.

Risk Management has never been a more crucial element of running a business. Rising premiums have forced organisations to opt for substantially higher self insured retentions or policy deductibles (excesses) thus forcing them to act more and more and more as though they were not insured. Insurance companies are becoming more technical and responsible with their underwriting and spending more time analysing the risks involved in individual contracts as well as industry statistics.

Injured customers are now far more aware of their rights and, encouraged by "no win/no fee" lawyers, becoming more litigious. Add this to, previously low insurance premiums, recent world events and the collapse of major local insurance companies, the result is sky-rocketing Insurance Premiums.

We believe that these costs can be controlled and have seen many clients benefit enormously from implementing comprehensive risk management systems and pro-active claims procedures. The “spin offs” being not only reduce insurance premiums and losses but also the overall efficiency and quality of the organisation.

Our philosophy is to provide quality products and professional services to assist you to meet your LEGAL, MORAL and FINANCIAL obligations using practical and cost effective means. Riskex Pty Ltd is fully committed to the application of proven risk management principles in the prevention and reduction of property and liability losses and associated business interruption.

We look forward to working with you in this critical part of your business strategy.

SERVICES

PUBLIC LIABILITY

Your average Safety Consultant or Underwriting Surveyor may not understand the additional complexities of public safety, incident prevention, loss control and claims mitigation. Our services in this area include:

Insurance Surveys
Audits
Staff&Tenant Training
Hazard Identification
Claims Handling

Slip Resistance Tests
Self Inspections
Emergency Procedures
Incident Investigation

Light Level Surveys
Contract review
Procedures Manuals
Legislative Compliance
Underwriting reports

We can also supply or source specialist products such as cleaning verifications systems, pedestrian safe signage, training videos, lux meters etc. Where specialist skills or equipment is required such as slip resistance testing we will make efficient use of preferred sub-contractors.

Issues covered by our surveys include:

Management
Claims Management
Incident Reporting
Legislative Compliance
Lighting
Loading Docks
CCTV Systems
Playgrounds
Legionella

Training
Hazard Identification
Cleaning Contracts
Security
Glazing
Entrances & Exits
Carparks
Fire Life Safety
Swimming Pools

Floor Surfaces
Emergency Procedures
Merchandising
Tenants
Travelators/Escalators
Ramps & Stairs
Food Courts
Housekeeping
Shopping Trolleys

PROPERTY

Our Property related services include:

Infrared Thermography
Building Code Compliance Audits
Fire Safety Audits
Fire Protection Audits and Consulting
Contingency Planning

Selection and Auditing of Fire Protection Maintenance Contractors
Local Government Requirements
Security
Property Insurance Surveys

Insurance Surveys & Policy Renewal Reports

Your insurance premiums are determined by a number a factors. Usually, until information to the contrary is available, your premium will be determined based on perceived or inherent industry risk factors. Yours previous claims history may also be considered. Generally, good risks subsidise the poor risks.

Underwriters can be more willing to give better terms when they can see that effective loss prevention and mitigation strategies have been implemented and plans are in place for continual improvement.

Our independent survey reports provide the information required by Brokers to market your account or renew your policy and for Underwriters to accurately and fairly price it.

Our reports contain not only the necessary underwriting information but also prioritised recommendations for risk improvement. Many insurance survey reports cover only the physical aspects of the risk. We believe that just as important, if not more important, is the attitude and quality of the Site Management Team. So we report on that as well.

We may be able to assist in negotiations with your existing broker and/or prospective insurers to get you a better deal!

For insurance surveys, property underwriting surveys, public liability insurance surveys, public liability risk audits and general advice on meeting your duty of care obligations please CONTACT us.