| Dimension | Conventional Survey Firm | Occusurv |
|---|---|---|
| Output | Narrative report | Structured loss intelligence |
| Visibility model | Point-in-time snapshot | Continuous underwriting visibility |
| Format | Descriptive PDF | Weighted, decision-relevant exposure data |
| Purpose | Document physical conditions | Support defensible underwriting decisions |
| End point | Report delivery | Ongoing underwriting visibility |
We work with insurers, underwriting teams, and brokers on complex industrial, manufacturing, warehousing, and commercial risks.
If the gap between conventional survey documentation and real-world underwriting intelligence is a material concern — that’s exactly the conversation we’re built for.
Most survey outputs were designed to document physical conditions and close a compliance loop.
They don’t weight loss-driving exposures. They don’t model real-world PML against operational reality. They don’t track whether conditions at survey still reflect what’s happening on site at renewal.
The result is an underwriting visibility gap — a structural gap between what the report says and what an underwriter actually needs to make a defensible decision.
This is the gap Occusurv was built to close.
The LIR is Occusurv's primary structured output — designed for underwriting decisions, not survey compliance. It contains weighted, prioritised exposure data: real-world PML analysis, hidden BI exposure assessment, fire behaviour and compartmentation findings, and protection reality evaluation. It is built for the underwriting decision, not the survey file.
A conventional risk survey documents physical conditions and produces a narrative report. Occusurv's assessment is structured around a different question: what will actually drive loss here? The field work is different. The output is different. The LIR is weighted and decision-relevant — built to inform an underwriting position, not confirm that a site was visited.
It is the process of tracking whether underwriting assumptions remain accurate between survey and renewal. Our governance platform provides structured tracking — so the underwriting position at renewal reflects operational reality, not a static snapshot from the previous survey cycle.
Complex industrial, manufacturing, warehousing, and commercial risks — where underwriting visibility genuinely matters and where the gap between conventional survey output and real-world loss-driving exposure is most consequential.
Use the Request an Assessment form on this site, or contact us directly at info@occusurv.co.za. We respond to all requests within one business day.
A structured assessment of the loss-driving factors most relevant to the underwriting decision — not a checklist inspection. Having a senior operational person available (maintenance manager, operations director, or similar) significantly improves accuracy. The process is straightforward and non-disruptive to operations.
Yes. We work with risk-heavy businesses that want to understand their loss-driving exposures proactively. A structured understanding of where your real exposure sits is valuable independent of the insurance relationship — and puts you in a materially stronger position when insurers do request assessments.
