Pre-insurance risk survey report software
An underwriting risk survey happens before anything has gone wrong. The surveyor walks a factory, warehouse or retail site to describe its construction, occupancy, fire protection and exposures, and leaves with a set of recommendations the underwriter may make a condition of cover. The report is read for its grading and its recommendations, and next year’s survey has to say which ones were completed.
Built for underwriters running teams of roughly 3–50 inspectors.
Sample Risk survey report
An illustrative excerpt. The site, readings and findings are fictional; the layout is yours to set.
Risk survey report
Recommendations — Building B, warehouse (fictional)
- Insured
- Fictional Distribution Pty Ltd
- Occupancy
- Palletised dry goods, racked to 8 m
- Surveyed
- 20 March 2026
| Recommendation | Basis | Priority |
|---|---|---|
| Restore annual fire sprinkler servicing record | Last yearly service not evidenced | Priority: High |
| Store LPG forklift cylinders in an external cage | Cylinders stored inside near racking | Priority: Medium |
| Thermographic scan of main switchboard | No scan in last 12 months | Priority: Medium |
| 2025 recommendation: clear egress at dock 3 | Completed | Priority: Closed |
Fields captured on site
Your firm builds the form in-app, so these are a starting point rather than a fixed schema. Every field is captured on the device, with or without signal, and lands in the risk survey report where your template puts it.
Construction and occupancy
- Building construction (walls, roof, frame)
- Floor area and storeys
- Occupancy and processes
- Storage height and arrangement
Protection
- Sprinklers, hydrants, detection
- Service records sighted
- Security and alarm monitoring
- Housekeeping grading
Recommendations
- Recommendation text
- Priority
- Status of last year’s recommendations
- Photos
Standards the report works to
- AS 1851-2012Routine service of fire protection systems and equipment
- The servicing a surveyor expects to see evidenced for every fire protection system on site.
- AS 1940The storage and handling of flammable and combustible liquids
- Cited where fuels or solvents are stored and the recommendation is about how.
- AS/NZS 3000Electrical installations (Wiring Rules)
- The reference behind electrical recommendations such as switchboard condition.
Load the standards you hold into your reference library and the drafted prose is written against them rather than against a general model.
How the risk survey report gets built
Capture it once, offline
Your firm builds the pre-insurance risk survey form in-app — 25 field types, nesting repeatable groups, compound AND/OR visibility rules, reusable modules and calculated fields. Field capture works with no signal: jobs, forms, photos, notes and audio all queue in an idempotent outbox that only clears once the server confirms receipt.
Link it to your buildings and rooms
Enter buildings and rooms once, as a register. Every one of your damage observations and scope lines then points at a stored row rather than a name somebody typed — and the links survive a disconnected device.
Render your own template
The risk survey report renders into the Word template you already use — your letterhead, your section order, your clause library — with conditionals, loops over repeats, composable sub-templates and photo grids.
Reviewed before it leaves
You write the review framework: a checklist of what a risk survey report must contain, plus the prose standards you would mark a junior against. Link it to a report template and it runs every time that template renders. Each finding comes back graded info, minor or major, quoting the sentence at fault, and a person accepts or dismisses every one.
Because the structured submission behind the report is held too, the review is a comparison rather than a proofread: The report says the escape of water was confined to the ground floor; the scope carries three first-floor rooms.
Checks a insurance framework usually carries
- Cause, extent and policy response agree with one another
- Every scope line traces back to a damage that was actually observed
- The reserve is supported by the scope rather than asserted
- Every section the insurer’s template requires is present and populated
Questions
- Can last year’s recommendations carry into this year’s survey?
- Recommendations are stored as rows linked to the site, so the next survey can list each one with a status of open, in progress or closed.
- Can a site with several buildings be surveyed in one report?
- Yes. Buildings are a repeatable group, and each can carry its own construction, protection and recommendations.
- Can we grade risks to the underwriter’s scale?
- Grades are form options with their own report wording, so you can use the underwriter’s scale exactly as published to you.
What this is not
Worth knowing before you book a demo, so neither of us wastes the half hour.
- Not field-service dispatch. No timesheets, no parts, no inventory. Scheduling exists to get an inspector to a site.
- No signature capture. If your deliverable has to carry a signed sign-off on the artefact itself, this is not the tool yet.
- Field capture is what works offline — jobs, forms, photos, notes and audio. Reports, chat, scheduling and the inbox need a connection.
- No client portal. Reports go out as a file or a password-protected link.
Other insurance work we cover
- Motor assessing inspectionsMotor assessment report
- Mould remediation verificationClearance verification report
- Storm damage make-safe assessmentsMake-safe scope report
- Thatch and heritage property surveysSpecial risk report
- Workers comp workplace visitsWorkplace visit report
- Burst pipe water damage scopesWater damage scope
- Business interruption verificationsBI verification report
- Contents claim inventoriesContents schedule report
Other disciplines
Rebuild your risk survey report in SurveyThanks
Bring the Word template you already send clients. If you are coming off another field-forms tool, a filled report can be uploaded, read field by field, and re-rendered into your template.