Field-Verified Surveys.
Carrier-Ready Reports.
COPE data, loss control narratives, and field-verified property characteristics — delivered to carrier spec.
Scope of Services
Each survey type is scoped to the specific data requirements of the coverage line — no generic reports.
COPE / Property Surveys
PropertyKey Deliverables
- ATC construction classification, ISO occupancy code, secondary modifiers
- Seismic exposure — soft story, URM, tuck-under, soil type
- Nat cat hazards — flood, wildfire, wind/hail, earthquake zone
- Year built, square footage, roof type and condition
- Replacement cost estimating inputs
- Exterior and interior photo documentation
- Sprinkler system type, NFPA design standard, and coverage
- Commodity class, storage arrangement, and rack storage (where applicable)
- Fire alarm type, monitoring, and inspection status
General Liability Surveys
GLKey Deliverables
- Operations description and exposure analysis
- Premises condition and hazard identification
- Safety program and loss control assessment
- Subcontractor and vendor exposure review
- Narrative report with underwriter recommendations
Commercial Auto Surveys
AutoKey Deliverables
- Fleet composition and vehicle schedule verification
- Driver qualification and MVR review process
- Garage and storage facility assessment
- DOT safety program review and documentation
- Radius of operations and cargo type documentation
Workers' Compensation Operations Reviews
WCKey Deliverables
- Employee duties and workplace exposure review
- Safety program and IIPP documentation
- Material handling and machine guarding assessment
- PPE, training, and heat illness controls
- Return-to-work practices review
Who We Serve
Carriers & MGAs
We deliver survey reports formatted to your underwriting guidelines — structured data fields, photo documentation, and narrative summaries that integrate directly into your workflow. Consistent turnaround supports policy issuance deadlines.
Wholesale Brokers
Accelerate submissions with pre-bound survey data that strengthens your risk narrative. Our reports give underwriters the field-verified detail they need to quote with confidence, reducing back-and-forth on complex or non-standard risks.
Property Owners & Investors
Understand your risk profile before your carrier does. Our pre-renewal and acquisition surveys identify exposure gaps, document property improvements, and provide the data needed to negotiate favorable coverage terms.
What Underwriters Actually Receive
Detailed risk data organized to support underwriting decisions — not a generic checklist, but a clearer picture of the account.
For example:
- Hydraulic sprinkler design — System type, NFPA standard, coverage area, condition — not just "sprinklered: yes"
- Commodity class and storage height — Class I–IV indicators, rack configuration, and maximum observed storage height — details that can materially affect underwriting
- Hazards of occupancy — Operations, processes, materials, and conditions that define the actual risk profile
- Uncontrolled hazards — Deferred maintenance, impaired systems, or conditions outside standard underwriting parameters
- Out-of-appetite exposures — Flagged clearly so underwriters can make informed accept, decline, or condition decisions
- Seismic and nat cat modifiers — ATC class, soft story, URM, flood zone, wildfire severity, wind/hail, and earthquake zone
Sample reports available upon request. Contact us to request one.
Flexible Survey and Risk Control Options
Pacific Risk Consulting offers modular survey and risk control services based on the client's underwriting, loss control, and risk management needs. Reports are delivered in custom formats — carrier-specific forms, proprietary templates, or structured data — and may be scoped to property only, expanded to include casualty lines, upgraded to include written recommendations, or paired with follow-up service and recommendation management.
Standard Property COPE Survey
What is the risk?
Underwriting-focused property survey documenting building characteristics, ATC construction classification, ISO occupancy codes, secondary modifiers, seismic exposure (soft story, URM, tuck-under, soil type), natural catastrophe hazards (flood, wildfire, wind/hail, earthquake zone), fire protection systems, sprinkler system type and NFPA design standard, commodity class, storage arrangement, alarms, special hazards, and photo support. Designed to collect COPE data for carrier underwriting. Does not include formal written recommendations unless specifically requested.
Multi-Line Risk Survey
What are the property and casualty exposures?
Expanded survey option including Property COPE plus selected casualty exposures such as GL premises, WC operations, commercial auto/fleet, or other requested lines of business. Each line of business may be added based on the client's requested scope.
Loss Control Survey
What should be improved?
Property or multi-line survey that includes written risk improvement recommendations. Recommendations may include priority level, suggested completion timeframe, reason for recommendation, supporting photos, and verification method. Appropriate when the client wants both risk documentation and practical corrective action guidance.
Risk Control Service Package
How do we improve and manage the risk over time?
Expanded service package that may include survey work, written recommendations, recommendation follow-up, completion verification, corrective action tracking, reinspection, photo review, safety program review, safety program development, and renewal preparation support. Intended for clients who need help managing risk improvement after the survey is completed.
Additional Services Available
Virtual Risk Surveys, Exterior-Only Surveys, Pre-Acquisition / Portfolio Reviews, HPR Surveys, Insurance-to-Value Reviews, and Carrier Form Completion are available as standalone or add-on services. View all services.
Service Area
California-based survey coverage with onsite and virtual options for selected statewide assignments.
California Statewide
Onsite field surveys and virtual survey options available for selected assignments across California. Contact us to confirm availability for your specific location.
Coverage scope and survey method confirmed at time of engagement. Rush and out-of-area requests considered on a case-by-case basis.
California-Based Service
California-based service with selected statewide assignments available
Every survey is conducted by an experienced risk consulting professional.
Ready to order a survey?
Survey requests are typically acknowledged within one business day. Rush requests are prioritized when available.