What does a commercial lines inspector do?

Our commercial lines inspectors have the ability to set appointments as needed, inspect the physical location, describe the operation, and note hazards.?The must also be able to measure and diagram the building and supply digital photographs. And, in most of our commercial reports, they must be able to supply a simple, clear and concise narrative.

Commercial reports are submitted on a MS Word Template form (at this time). Diagrams & Photos are submitted on our UIRS web site

These template reports supply standard, straight forward questions for the commercial inspector to address.

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Appointments

Many accounts require an appointment.?

These appointments are normally ‘Courtesy Appointments?where you set an open time block to meet the policyholder or his/her representative.

A good inspector recognizes the different types of operations and knows their normal hours of operations.?That is to say, a Pizzeria should not be inspected during lunch time. Or a Doctors office may not be open everyday.

Good inspectors may be able to gather much of the information they need to report during the phone call to set the appointment and save time in the field.

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Photos

Photos are normally supplied showing the front and the rear of the exterior of the policyholder’s building.

Plus descriptive photos are supplied for the interior as well.?These interior photos should show areas where the general public has access, kitchens areas and cooking equipment, utilities (as needed), and of course hazards or conditions you have noted (you should describe these photos in your report as well).

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Fire ? Physical

UPFRO’s inspection template asks direct questions about the building and the area.?The inspector should recognize foundation types, construction types, roofs, utilities, etc.

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Liability

How can someone get injured while at this location?? Is there adequate egress (a means to get out)?

Are there Lit Exit Signs and Emergency Lighting?? Do doors open outward? Are there Fire Lanes in front of these doors?

Are there apartments in this building? Do they have smoke detectors in each apartment and in common areas?

Our template reports are designed to address the most common underwriting concerns. A good eye and good photos are important.

Is there any potential for an injury away from the policyholder’s location? Does the policyholder deliver? Install? Make repairs?

A good inspector recognizes the type of operation he/she is inspection and asks the appropriate questions.

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Burglary

A description of the contents the policyholder has is easily completed in our template report. Describing locks, alarms, etc are also important.?A good inspector knows what to look for and how to ask questions.

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Narration & Diagram

When the policyholder is a building owner, you must diagram the entire building, describing each sections and floors use.?

There is a difference when the policyholder is the absentee landlord (he rents out the building to others) and when he occupies the building his/her-self.?You must indicate the area(s) (part or all) of the building the policyholder uses.

If the policyholder is simply a tenant, the diagram need only show the measurements of this area.

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Recommendations

When a good inspector notes a hazard or a condition that should be corrected, these are reported separately on our template forms.? The inspector should be able to clearly and concisely describe these (a photo alone is not good enough).

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Special Hazards & Riders

Commercial Kitchens, Day Care, Social Clubs or Church Organizations are atypical operations where more specific information needs to be supplied.?UPFRO has the template inspections to guide you through these as well.

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FAQ’s

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What about training, resources or help?

UPFRO has ample training materials, from Best LC&E and Safety Manuals to NFPA Guidelines.?UPFRO interprets these and supplies you with the training and answers you need to complete your inspection.

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How long should it take to complete a standard commercial inspection?

Once the appointment has been set, your time at the policyholder’s location may vary depending on the size of the building or complexity of the operation. On average you may expect to spend 10 to 20 minutes at the location.

A good pre-inspection phone call can streamline the amount of time you need to spend at the risk location.

Once you return to your home/office, it may take you an additional 10-20 minutes to complete the template, the diagram, upload your digital photos and complete your fee information.?You skills, computer & internet connection speeds are important.

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What kinds of fees are paid?

UPFRO pays Salaried Inspectors and Fee Inspectors based on experience an ability.  Contact us to learn more!

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What type of commercial risks does UPFRO normally inspect?

The types of commercial inspections we complete are normally referred to as “Mom & Pop Shops?and range from restaurants, pizzerias, apartments, condo complexes, retail operations, beauty parlors, etc.? We do not market inspections for the larger risks, such as industrial, chemical manufacturing plants, etc.

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