On the twelfth day of Christmas my insured gave to me…

By Robert L. Andrews  |  December 22, 2015

For the most part, insurance customers present manageable risks to their insurers. Of course, if all properties were perfect, we wouldn’t need to have loss control, risk management, underwriting, or claims departments. Some properties present physical risks or workers' compensation risks, others have general liability risks, and a few have outright dangers. When field analysts discover serious risks while conducting a commercial property survey, they immediately call in a High-Risk Notification (HRN) to the insurer with recommendations for remediation.

So, in the spirit of the season and honoring the continuing need for HRNs, we give you our “Twelve Days of Christmas” with visual accompaniment.

For more information on our field surveys, please go to our website. Happy holidays from Verisk!

On the twelfth day of Christmas my insured gave to me:

Twelve drums a rusting

12DrumsRusting

Eleven pipes a leaking

12DrumsRusting

Ten ladders leaning

Tenladdersleaning

Nine exhaust ducts

dripping

nineexhaustductsdripping

Eight hoarders hoarding

Eighthoardershoarding

Seven circuits breaking

Sevencircuitsbreaking

Six grease pans frying

Five non-exit doors

Fivenon-exitdoors

Four falling walls

Fourfallingwalls

Three warning signs

Two broken steps

Twobrokensteps

and a High Risk Notification from Verisk.


Robert L. Andrews

Vice President and Chief Field Operations Officer, Verisk Insurance Solutions