01 - Premises Suitability / Security / Maintenance
Site security considers the level of security necessary for the activities on the insured's site. Sites may attract intruders or from the activities or goods held. Public access sites such as hospitals, hotels and offices need different controls than industrial or commercial properties. Relevant features include unoccupied periods, ease of access (fences, gate controls, access controls etc.) through physical security devices, intruder alarm systems, CCTV, lighting and guarding, etc. Security should be appropriate to the occupancy.
What do we look for?
- Structure is not suitable for the occupancy which increases the risk of loss.
- Security is not suitable for the occupancy.
- Current and/or past history of filled land, asbestos, PCB’s or other contaminants.
- Bodies of water or swimming pools present.
- Structure is suitable for the occupancy.
- Security is adequate for the occupancy.
- No history of filled land, asbestos, PCB or other contaminants.
- Body of water and/or swimming pools are properly protected and maintained.
Risk improvement ideas
- Establish adequate visitor controls – eg controlled site access, designated vehicle movement and parking, visitor badging and supervision/permits.
- Ensure adequacy of security protections for site – yards and buildings and internal access controls where appropriate.