Ringing the changes

How often have underwriters marvelled at the carelessness and lack of security awareness of an insured while having to pay large sums in claims? Some losses in such a vulnerable class of business as jewellery are inevitable, but there is much that underwriters, adjusters, surveyors and jewellers can do to reduce some of the risks inherent in the business.

The pre-risk survey is vital to an underwriter's understanding of the risk and is all too often treated as a necessary chore by insureds an