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Property damage

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Property damage

Our experts cover all the risks that may affect your property and your business:

  • Fire and explosion risk analysis
  • Natural hazard analysis, mitigation measures, emergency plan, etc.
  • Civil liability risk analysis
  • Assessment of the Estimated Maximum Loss (EML)
  • Business interruption and interdependency analysis
  • Analysis of machinery breakdown, electrical damage, water damage, glass breakage, theft, strikes, riots and civil commotion risks, etc.
  • Assessment of the Possible Maximum Loss (PML)

Our approach

  • Technical site visit: construction, activities, processes, storage and protection systems.
  • Identification of loss scenarios and their consequences on property and on the business.
  • Assessment of the PML and EML to help choose sums insured and coverage limits.
  • Report with prioritized recommendations to reduce risks.

Frequently asked questions

What is the difference between PML and EML?

The PML corresponds to the maximum amount of a loss when active protection systems do not work: only physical separations, such as firewalls or distances, limit its spread. The EML estimates the loss taking into account the operation of protection and response systems.

Are natural hazards taken into account?

Yes. We analyze the site's exposure to natural hazards (flood, earthquake, storm, etc.), propose mitigation measures and contribute to the emergency plan.

Why analyze business interruption?

After a loss, the shutdown of activity can cost more than the material damage itself. Analyzing interdependencies (suppliers, customers, critical equipment, utilities) makes it possible to identify weak points and adapt the coverage.

Do you also analyze civil liability?

Yes. We identify situations where your activity may cause damage to third parties, in order to check that your liability coverages are appropriate.

Request an analysis of your property damage risks

Tell us about your site: a RiskEngi expert will contact you to define the appropriate analysis.

Your partner in industrial risk engineering and insurance.

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