What we inspect: Commercial Lines (Property and GL)

• Building Structure: Assess structural integrity and construction materials.
• Fire Protection Systems: Evaluate fire alarms, sprinkler systems, and fire extinguishers.
• Security Measures: Check access controls, surveillance systems, and security lighting.
• Occupancy and Use: Review tenant types, occupancy rates, and hazardous processes.
• Emergency Preparedness: Ensure emergency exits, evacuation plans, and communication systems are in place.
• Property Maintenance: Inspect for hazards, cleanliness, and general upkeep.
• Liability Risks: Identify potential hazards like slip/trip areas, parking lots, and public spaces.
• Environmental Concerns: Assess risks related to pollution, hazardous materials, and waste management.
• Regulatory Compliance: Verify adherence to building codes, ADA requirements, and industry standards.
• Documentation Review: Examine safety policies, incident reports, and maintenance records.

This checklist covers essential aspects of a commercial lines loss control survey, providing a structured approach to risk assessment.