Underwriting and Rating

Commercial Property Surveys & Inspections

Technological innovations give our expert field representatives new ways to conduct commercial property surveys—including remote options for some of your risks.

Your customers are demanding quick and painless quoting

Do you have the current and actionable data you need to effectively underwrite with speed and accuracy? With more than 15 million commercial properties in the United States, it’s impossible to visit each one on site. How can you be sure the data you rely on reflects the property’s current condition and characteristics?

Get a complete picture of complex risks

Highly experienced field representatives perform on-site and virtual surveys to gather and verify the current, granular, and actionable data you need for informed and effective underwriting.

Uncover detailed property information

Review first-hand reports of risk-specific information on exposures from survey experts with a deep understanding of industry practices.

Underwrite efficiently

Access actionable data for smarter underwriting at the speed your customers demand—without sacrificing accuracy.

Support profitability

Determine which risks to take, which to decline, and how to price risks appropriately.

Multiline Survey for Package-Policy Risks

With a Multiline Survey, a field representative collects the commercial risk underwriting details you need for multiple coverages, including:

Commercial property characteristics and loss exposures
Insured business information and description of operations
Commercial general liability exposures
Special hazards or operations at the property

Our field representatives also deliver useful recommendations and alert you to potential high-risk exposures—with unlimited photographs.

Commercial Property Surveys for Rating

Our surveys can help property insurers

Determine fire and wind loss potential for specific commercial buildings
Evaluate internal fire protection systems such as automatic sprinkler systems and fire alarms
Identify hazards to help reduce risk at insured properties

Our field representatives use the Specific Commercial Property Evaluation Schedule (SCoPES) to consistently assess hazards for every property. In states where we provide such surveys, we file the schedule with state regulators.

Instant high-risk notifications

If a survey uncovers hazards or conditions that present imminent potential for loss, you will be notified immediately.

Features and capabilities

On-site survey

Complete on-site access to the interior and exterior of the property, including fire protection systems and sprinklers.

Virtual field survey

Collaboration with an on-site property representative through a real-time video link to perform a detailed interior and exterior survey.

Mobile survey

Exterior-only, on-site survey, capturing exterior photos and collecting information via mobile device or tablet.

Virtual survey

Remote access to the property using high-resolution imagery, Verisk proprietary data, and trusted third-party data. 

Related resources

Stay in the know about important industry trends and innovative solutions.

White paper

Human Insight, Digital Empowerment

On-site inspections are critical for commercial property insurance underwriting, but technology and data are expanding survey capabilities.

Download the white paper

Flyer

Verified commercial property data when you need it

Shorten your turnaround time and enhance your customer service with Verisk’s trusted data on demand.

Download the flyer

Flyer

Pairing expertise and technology to transform inspections

Our virtual field surveys empower our field reps to perform a detailed survey from anywhere in the United States using a real-time video connection over a computer, smartphone, or tablet.

Download the flyer