Pre-Insurance Risk Survey
Strengthening your application process before approaching Brokers & Underwriters.
At Group Risk Solutions, we specialise in helping businesses prepare for insurance with clarity, confidence, and credibility. Our Pre-Risk Surveys are designed for organisations of all sizes that are approaching the insurance market and want to ensure they present a well-managed, compliant, and insurable risk to underwriters.
With a strong reputation across the insurance and risk management sectors, we are a trusted partner to both brokers and insurers. Our independent assessments help identify potential issues before they are raised by underwriters—giving clients the opportunity to strengthen controls, address compliance gaps, and demonstrate a proactive approach to managing risk.
For brokers, we provide an invaluable service by helping clients prepare properly before their risk is presented, streamlining the placement process and increasing the likelihood of securing favourable terms. For underwriters, our detailed and objective reports offer reassurance that the risk has been professionally reviewed, aligned with best practices, and made insurance-ready.
Whether you're a business seeking cover, a broker looking to support your client, or an underwriter requiring greater transparency, Group Risk Solutions ensures everyone involved is better informed and better prepared.
Common Overlooked Risks
Before a pre-risk management survey is conducted, clients of all sizes—whether small businesses or large institutions—often face a range of overlooked or underestimated risks that can affect their insurability. These typically arise from gaps in internal controls, inconsistent procedures, or an overreliance on outdated systems.
One of the most common issues is unclear or undocumented security protocols—across both physical and digital environments—which can raise red flags for underwriters reviewing the risk profile. Inadequate staff vetting and access control are also frequent concerns, especially in sectors handling high-value goods, sensitive data, or cash.
We also regularly encounter missing or informal risk assessments, particularly among smaller businesses preparing for insurance for the first time. In larger operations, fragmented compliance oversight or incomplete contingency plans can present serious vulnerabilities if not addressed.
Our pre-risk surveys help businesses of all sizes identify these issues early, offering clear, actionable guidance to strengthen their risk posture and present a well-prepared case to insurers—improving both underwriting confidence and insurance outcomes.
Transforming Risk Approaches
Pre-risk management surveys often serve as a turning point for clients—highlighting vulnerabilities they hadn’t fully considered and prompting meaningful change. In one notable case, a mid-sized commercial client preparing to apply for specialist insurance believed their existing security measures were sufficient. However, our survey revealed several key weaknesses: inconsistent access control procedures, inadequate documentation of risk protocols, and limited contingency planning.
Our findings prompted the client to implement structured improvements across their operations, including enhanced staff training, better audit trails, and revised emergency procedures. Not only did these changes strengthen their day-to-day resilience, but they also gave underwriters greater confidence in the client’s risk profile—leading to a smoother insurance approval process and more favourable terms.
This is just one example of how a well-timed pre-risk survey can transform how businesses view and manage risk, ensuring they are not only insurable, but better protected for the future.
Key Survey Insights
During a pre-risk management survey, our primary objective is to gain a clear, independent view of how well a business is prepared to manage and mitigate its risks. Whether the client is a small enterprise or a large corporation, we focus on the core elements that influence insurability and operational resilience.
We assess the effectiveness of physical security measures, such as access controls, surveillance coverage, and alarm systems. We also review internal processes and procedures, including documentation of risk policies, staff responsibilities, and incident response protocols.
Another critical area is compliance and governance—we look for evidence that the business understands and adheres to relevant legal, regulatory, and insurance expectations. This includes evaluating how risks are monitored, who is accountable, and how frequently systems and controls are reviewed.
We also examine the business’s historical loss data (if available), existing contingency plans, and the overall culture around risk awareness. These insights help us provide practical recommendations that clients can act on before submitting to insurers—demonstrating that they are well-prepared, responsible, and lower-risk from an underwriting perspective.
Tailoring Surveys to Your Industry
At Group Risk Solutions, we understand that no two industries—and no two clients—face exactly the same risks. That’s why we tailor every pre-risk management survey to reflect the specific needs, operations, and exposures of each business we assess.
For high-value industries such as banking, retail, logistics, or luxury goods, we take into account the unique threats and regulatory environments each sector operates within.
Our team adapts the survey scope to address the most relevant areas of concern—whether it’s physical security in a jeweller’s showroom, internal fraud controls in a financial institution, or supply chain vulnerabilities in a distribution network.
Before each engagement, we work closely with the client to understand their operations, objectives, and any insurance requirements or concerns. This ensures our assessment is not only comprehensive but highly focused—delivering insights that are practical, industry-relevant, and aligned with both the client’s goals and the expectations of underwriters.
This tailored approach allows us to offer meaningful guidance that helps clients strengthen their position, reduce exposure, and enter the insurance process with clarity and confidence.
Protect your business with group risk solutions
Position your business for insurance success by demonstrating a strong, well-managed risk profile. Get in touch today to arrange your customised pre-insurance risk assessment.