{
  "id": "riskg-risk-survey",
  "type": "risk-guideline",
  "languages": {
    "en": {
      "id": "riskg-risk-survey",
      "lang": "en",
      "type": "risk-guideline",
      "title": "Property Risk Survey",
      "shortDefinition": "A property risk survey is the systematic on-site inspection of an operation by risk engineers that records hazards, protection measures and management programmes, providing the technical basis for risk grading, conditions and insurance terms.",
      "synonyms": [
        "Risk engineering survey",
        "Loss prevention survey"
      ],
      "linesOfBusiness": [
        "Property",
        "Engineering"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Risk assessment",
        "Loss prevention"
      ],
      "relations": {
        "relatedTerms": [
          "riskg-risk-improvement-recommendations",
          "riskg-self-inspection-program",
          "term-pml",
          "ra-construction-class",
          "ra-occupancy-type",
          "ra-building-maintenance-condition",
          "ra-fire-detection-system"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks"
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        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
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      "coverageProfile": null,
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      "legalBasis": [],
      "standards": [
        "ISO 31000:2018 – Risk management — Guidelines"
      ],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.2.0",
      "updated": "2026-09-03",
      "generated": {
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        "at": "2026-09-03T00:00:00.000Z"
      },
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      "url": "https://hgh.ch/lexikon/en/knowledge/risk-engineering/property-risk-survey/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/risk-engineering/risikobesichtigung/",
      "body": "## Process\n\nThe survey covers a full inspection of buildings, plant and outdoor areas together with interviews with facility management. It examines construction, occupancy, fire compartmentation, suppression systems and explosion protection, as well as organisational programmes such as hot work permits, maintenance and impairment management. Loss history and outstanding improvement recommendations are reviewed as well.\n\n## Methodology\n\nDepending on complexity, techniques range from checklist-based reviews to formal hazard evaluation methods such as what-if analysis or relative ranking. From construction, occupancy, protection and exposure factors, risk engineers derive an overall assessment that results in a survey report with a hazard profile, protection concept and prioritised recommendations.\n\n## Relevance for underwriting\n\nThe survey report forms the technical basis for risk grading, capacity decisions, pricing and policy conditions. Material operational changes, a change of occupancy or an ageing initial survey typically trigger a re-survey in practice."
    },
    "de": {
      "id": "riskg-risk-survey",
      "lang": "de",
      "type": "risk-guideline",
      "title": "Risikobesichtigung (Property Risk Survey)",
      "shortDefinition": "Die Risikobesichtigung ist die systematische Begehung eines Betriebs durch Risk Engineers vor Ort, die Gefährdungen, Schutzmassnahmen und Managementprogramme erfasst und die fachliche Grundlage für Risikoeinstufung, Auflagen und Versicherungskonditionen liefert.",
      "synonyms": [
        "Property Risk Survey",
        "Risikoingenieur-Begehung",
        "Sachverständigenbesichtigung"
      ],
      "linesOfBusiness": [
        "Sach",
        "Technische Versicherung"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Risikobewertung",
        "Schadenverhütung"
      ],
      "relations": {
        "relatedTerms": [
          "riskg-risk-improvement-recommendations",
          "riskg-self-inspection-program",
          "term-pml",
          "ra-construction-class",
          "ra-occupancy-type",
          "ra-building-maintenance-condition",
          "ra-fire-detection-system"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [
        "ISO 31000:2018 – Risk management — Guidelines"
      ],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.2.0",
      "updated": "2026-09-03",
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      },
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      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/de/wissen/risk-engineering/risikobesichtigung/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/risk-engineering/property-risk-survey/",
      "body": "## Ablauf\n\nDie Begehung umfasst eine vollständige Besichtigung von Gebäuden, Anlagen und Aussenbereichen sowie Gespräche mit den Betriebsverantwortlichen. Geprüft werden Bauweise, Nutzung, Brandabschnitte, Löschanlagen und Explosionsschutz sowie organisatorische Programme wie Freigabeverfahren für Feuerarbeiten, Instandhaltung und Ausserbetriebnahme-Management. Ergänzend werden Schadenhistorie und offene Verbesserungsempfehlungen ausgewertet.\n\n## Methodik\n\nJe nach Komplexität reichen die eingesetzten Verfahren von checklistenbasierten Kontrollen bis zu formalen Gefährdungsanalysen wie What-if-Betrachtungen oder relativen Rangordnungsverfahren. Aus Bauweise, Nutzung, Schutzniveau und Umgebungsexposition leiten Risk Engineers eine Gesamteinschätzung ab, die in einen Besichtigungsbericht mit Gefährdungsbild, Schutzkonzept und priorisierten Empfehlungen mündet.\n\n## Bedeutung für Underwriting\n\nDer Besichtigungsbericht bildet die fachliche Grundlage für Risikoeinstufung, Kapazitätsentscheid, Prämienbildung und Auflagen. Wesentliche Betriebsänderungen, Nutzungswechsel oder eine länger zurückliegende Erstbesichtigung lösen in der Praxis eine Nachbesichtigung aus."
    }
  }
}