Property Insurance
Risk improvements
Purpose Purpose
Risk improvements are recommendations or actions that reduce property risk across insured sites. They may come from internal reviews, insurance audits, engineering reports, risk engineers, brokers, or local site teams.
In 21RISK, risk improvements are tracked on the Insurance board. This gives your organization a single follow-up register for what has been identified, who owns it, when it is due, what it costs, what status it has, and what evidence supports it.
Who uses risk improvements Who uses risk improvements
Risk improvements are typically used by:
- Risk managers who prioritize portfolio-wide risk reduction.
- Site managers who implement improvements locally.
- Insurance coordinators who report progress to brokers and insurers.
- Engineering firms that create recommendations from reports.
- Management teams that need visibility into cost, risk, and completion status.
What a risk improvement contains What a risk improvement contains
| Field | Purpose |
|---|---|
| Name | A clear title for the recommendation. |
| Site | The site where the improvement applies. |
| Status | The current workflow state, configured on the Insurance board. |
| Description | Details about the recommendation and expected work. |
| Responsible user | The person accountable for follow-up. |
| Due date | When the improvement should be completed or reviewed. |
| Cost estimate | Expected cost of implementing the improvement. |
| Loss estimate before | Expected loss exposure before implementation. |
| Loss estimate after | Expected loss exposure after implementation. |
| Category | A category such as sprinklers, electrical, fire protection, or housekeeping. |
| External ID | Identifier from an external system or engineering report. |
| Tags and labels | Extra filtering and reporting metadata. |
| Files | Evidence, reports, photos, quotes, or completion documentation. |
Working with improvements Working with improvements
Open Insurance > Risk Improvements to review the table of recommendations. You can search, filter, sort, export, and open individual improvements.
To create a risk improvement:
- Open Insurance > Risk Improvements.
- Click Add risk improvement.
- Enter a name and select the site.
- Add status, responsible user, due date, cost, loss estimates, category, tags, and files where relevant.
- Save the improvement.
To edit an improvement, open it from the table. The detail view includes the editable fields, files, comments, subtasks, and change history.
Saved views for recurring worklists Saved views for recurring worklists
The Risk Improvements table supports saved views. Use them to return to recurring worklists such as overdue improvements, unassigned recommendations, high loss estimates, or work for a specific site, category, or responsible user.
Click New view to create a private view or copy your current table setup. Read Saved table views for creation, saving, and sharing instructions.
Subtasks Subtasks
A risk improvement can contain subtasks when the recommendation needs several steps. Subtasks can have their own names, responsible users, due dates, and completion state.
Use subtasks for work such as requesting quotes, approving budget, planning outage windows, installing equipment, and collecting completion evidence.
Engineering report protection Engineering report protection
When a risk improvement originates from an engineering report, some fields may be protected to preserve the original recommendation. This can include name, description, loss estimates, external ID, and site.
Group owners can override protected fields when needed, but the default protection helps prevent accidental changes to insurer or engineering-firm recommendations.
Analytics Analytics
Insurance > Analytics > Risk improvements helps you understand the program at portfolio level. It uses the same filters as the risk improvements table, including custom fields, so the analytics and the table always agree on which improvements are included.
The page shows:
- Current position: open, overdue and unassigned improvements, and the open estimated cost.
- Status distribution of all selected improvements, and the age of open improvements.
- Resolution and trends for a chosen date range: average time to close, change in open improvements, open or closed improvements over time, and Activity, which compares improvements created and closed. History comes from the changes actually made to each improvement, including reopenings.
- Where to focus: open improvements by site, category and responsible person.
Click a figure or a row to open the risk improvements table with the same improvements selected.
Categories Categories
Categories help structure recommendations into themes such as fire protection, electrical, storage, housekeeping, business continuity, or natural catastrophe protection.
Categories are useful for filtering, analytics, reporting, and external alignment with engineering report taxonomies or GRC systems.
Permissions Permissions
Risk improvements use Insurance-specific permissions:
| Permission | What it controls |
|---|---|
| Read Risk Improvements | View risk improvements. |
| Create Risk Improvements | Add new improvements. |
| Update Risk Improvements | Edit existing improvements. |
| Delete Risk Improvements | Delete improvements. |