Property Risk Assessment
- On-site surveys & inspections
- Risk identification & grading
- Loss scenario analysis — PML / MFL
- NFPA / FM Global / EN / VdS / BYKHY review
- Underwriter-Ready Format and Long Format reporting options
RAS surveys industrial sites on-site, grades exposure against international standards, and delivers a decision-ready report. We don't just identify risk — we prioritise it, grade it, and show the path to a better decision.
From large-scale energy complexes to ports, cement works, warehouses and wind farms — comparative reach that single-industry specialists can't offer.
Three connected services — from understanding risk before loss, through structured improvement, to expert guidance on the decisions that matter.
Site survey & data collection. We walk the facility and gather evidence directly.
Risk evaluation & analysis against the applicable standards and loss scenarios.
Prioritised improvement plan — each item costed and referenced to a standard.
Risk reduction & follow-up, with verification at the next survey cycle.
RAS deploys two complementary scoring systems — the RAS-SCORE™ for long-format broker and industrial reports, and the UW-SCORE™ for underwriter-ready short-format assessments. Both translate site observations into a single weighted index that stakeholders can read, compare and act on.
Construction, Occupancy, Process, Protection and Exposure (C·O·P·Pr·E) — each scored on site, then weighted. Produces a 0–100 index with A–E grade, showing as-surveyed and post-improvement positions.
Designed for insurer and agent use. Nine weighted categories covering construction, fire load, process, electrical, active and passive protection, NatCat, security and management. Scored 1–4, scaled to 100.
Every assessment begins and ends on-site. We walk the facility, observe live operations, and gather evidence directly — not a checklist filled in from a desk.
Insurer, broker or operator — one site-based assessment carries the technical depth each needs to underwrite, advise or manage risk with confidence.
We write for decision-makers, not filing cabinets. Every risk arrives with a realistic, prioritised, standard-referenced improvement — and a target grade once closed.
Assessed across 14+ sectors and hundreds of facilities, we bring comparative depth single-industry specialists can't. We know what good risk management looks like.
RAS was founded by a risk engineer whose work is the site assessment itself — walking the facility, grading exposure and writing a decision-ready report. Earlier fire-underwriting experience shapes how he reads a site, not what RAS sells: the focus is always the survey, never pricing or placement. That underwriting-informed eye, combined with multi-sector site work, shapes every engagement.
A report should answer the underwriter's actual question — accept, on what terms, and what to fix first.
Every facility carries a unique combination of operational, structural and systemic risk. Our approach starts with listening — then with seeing for ourselves. Tell us about the site and we'll propose a scope.