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Manufacturers, importers, wholesalers, retailers, and contractors can face liability risks from a defective product including property damage or bodily injury and may be required to pay claims to consumers. This trend is increasing in both Canada and the United States as the general public becomes more claims conscious and courts continue to protect consumers by placing the financial burden on those best able to pay. Underwriters, brokers, and risk managers need a comprehensive understanding of these exposures in order to acquire an accurate picture of their risks.

SCM Risk Management Services (RMS) conducts Product Liability Surveys so that underwriters and brokers can get a detailed overview of operating procedures, goods produced, construction or installation methods, as well as the completed operations hazards of various products. Our objective, third-party survey report empowers insurers with an accurate and thorough snapshot of how they can reduce the risks associated with product liability. Risk managers can also use these reports as objective documentation for their risk management programs.

Helping You Understand The Risks
Our reports you determine risk in terms of product, operations, and risk deficiencies for the purposes of quality control, improving safety, or enhancing liability protection. Our loss control specialists will visit your company’s operations and work with site staff to conduct the surveys.

During these site visits, RMS loss control specialists will provide information on:

  • Management procedures of the company
  • Product design and review
  • Quality control including review of written operating procedures, forms, product history, and inspection progress reports
  • Sales and advertising including accurate product literature, safe operating literature, product training for sales force, etc.
  • Record keeping including accurate records for maintenance, engineering, quality control data, shipping, error analysis, etc.
  • Recall procedures
  • Retrofitting
  • Distribution


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They will package all this information neatly into one report, and include actionable recommendations which can be leveraged as part of a preventative risk management plan.

For more information about RMS’s Premise Liability Surveys, please contact us.

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