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


Eleven pipes a leaking


Ten ladders leaning


Nine exhaust ducts



Eight hoarders hoarding


Seven circuits breaking


Six grease pans frying

Five non-exit doors


Four falling walls


Three warning signs

Two broken steps


and a High Risk Notification from Verisk.

Robert L. Andrews

Vice President and Chief Field Operations Officer, Verisk Insurance Solutions