All businesses invest significantly in physical assets, and the protection of these assets is crucial to business success and protection of the lives of people involved. These physical assets are exposed to the threat of damage, either by fire, malicious damage, storm, flood or theft.

Insurance can provide part of the solution but there are often significant uninsured losses (such as excesses/deductibles, investigation, expenses, disposal costs, hiring costs etc), as well as the impact these losses have upon profits, shareholder confidence, customer relationships, bad publicity and goodwill.

Sound risk assessment will help highlight potential problems before they occur, allowing business to eliminate, reduce, or control the risks.

Fire remains one of the largest threats to a business and the business interruption following a serious loss can often result in even greater financial loss than the value of the actual property damaged. About 80% of businesses that suffer a major fire never recover.