It is recommended to avoid any discussion with the insurer at the time of the liquidation of a claim to clarify the nature and conditions of the risk to be insured prior to the signing of a contract. This risk assessment and study that precedes the finalization of the contract is made by our experts to draw up a definitive report concluding with a risk assessment in terms of the adequacy of the existing means of protection and the vulnerability of the company towards the various natures of risks. Recommendations are generally presented for the improvement of risk conditions and to overcome weak points.
The company, like the individual, is subject to the proportional reduction in the lient allowance if the declared characteristics of the insured risks are not in conformity with the reality observed by the insurer after the accident. If for example a craftsman declares to practice in the insured premises an activity rated at 2 per thousand, while the one he actually exercises corresponds to a rate of 4 per thousand, the allowance due to the insurer shall be reduced to the half of the indemnity.
The mission of the analysis and risk assessment focuses on the following areas:
- Natural hazards and neighborhood - Construction: (Storage areas, Production premises, technical premises: (nature, cover & area)
- Identification of Potential Risks related to the activity: (fire, explosion, ...) - Heating Circuits, Flammable Products & Quantity: (Acetone / Hexane / Gasoil / ... ..), Evacuation of flammable vapors, Evacuation of dust and waste , Equipment and Pressure Installation
- Exterior Provisions: Accessibility to the Civil Protection: (access door and distance), Water reserve: (water tank & capacity & pumps), Peripheral brushing on the building: (conditions to decrease the intensity and to limit the propagation fires)
- Evaluation of the means of prevention / fire protection: fire extinguishers mobile / stationary, fire hydrant RIA without or with device of production of foam, installations of smoke detectors, installation of surveillance and storage of data, approved organization of council in fire safety , Authorized Electrical Installations Control Organization, Authorized Boiler Control Organization, Manager Safety Commitment, Personal Safety Consciousness