Brokers - FM Affiliated

How Plan Review services keep your clients resilient as they grow

Publish Date : 27 August 2024

Help clients avoid costly mistakes as they renovate or expand commercial premises


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Just as businesses evolve, so do their facilities – but how can you ensure your clients maintain resilience with stable and affordable coverage when necessary construction work is taking place?

For brokers like yourself, this is an opportunity to add value. Providing access to experts who can verify the effective risk management of their plans will help your clients to avoid costly mistakes and build your reputation as a trusted partner.

That’s why FM Affiliated provides complimentary Plan Review services to brokers and clients. Our experts can help to greenlight construction plans, so your clients can maintain resilience as their businesses change.

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Connect clients with the people who can say "yes"

Any change to construction, occupancy, protection measures, or exposure to external risk factors may affect a building’s risk profile. As a result, businesses must often pay for costly remediation works when uninsurable or avoidable risk is inadvertently built into newly constructed or renovated buildings.

Ensuring things are considered properly ahead of time can help your clients avoid higher premiums, poorer coverage, or additional remediation works. Doing so will also help to minimize the risk of avoidable loss events.

Plan review services are a proven way to achieve these goals. Property insurance brokers can set their clients’ projects up for success through providing access to experts who can check construction plans for relevant risk factors and propose solutions to any issues they identify.

Introducing: Plan Review

Plan Review is a complimentary service FM Affiliated provides to brokers and their clients. When a client is building a new location, or significantly altering an existing structure, we work with you to ensure risks are minimized before, during, and after the project.

Our team assesses project plans objectively and provides recommendations to minimize loss expectancy and the introduction of new risks. When a project gets underway, our field engineers then review the work to ensure use of the correct materials and products, as well as correct installation.

For example, when one of our retail goods manufacturing clients discovered the design for a new warehouse was not adequate for the ignitable liquids and container sizes it wanted to store there, it realized it was vital to work with FM Affiliated Plan Review to fix the issue.

We advised the manufacturer on changing its rack designs and installing a different sprinkler system at the facility, which also helped to ensure the company can capitalize on future growth opportunities. The client is now committed to starting all future projects with Plan Review.

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Deepen client relationships with Plan Review

Recommending FM Affiliated Plan Review helps protect your clients’ continuity of service and ensures we can keep providing the coverage they need, while helping to educate them on the importance of tailored insurance solutions.

We can also brief you on our findings and provide resources – such as our risk visualization tool – so you can present them to clients yourself and play an active role in helping them implement effective risk management strategies. We can even help you keep clients up to date with industry trends. For example, hail is getting larger, stickier, and sharper worldwide. We can recommend the best roof assembly configuration and materials for a given client’s geographic region.

If you have a commercial property insurance client that could benefit from our Plan Review services, we’d love to hear from you.  Click here to submit a new business enquiry or contact a member of our team.

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This is the eighth in a series of articles FM Affiliated is producing to help brokers understand the value we can provide to their commercial property insurance clients. Look out for the next post in this series for more valuable insights.