Index screening
Review eligibility, project participants and the project to form the initial risk view.
Underwriting + Technical Inspection
Insurance starts with understanding the building.
Long-term defect insurance needs more than a proposal form. Index combines financial, construction and project-risk assessment with independent technical evidence throughout the build.
Every step, covered.
The Index process
Evidence at every stage.
Index underwriting
Complete the risk assessment, establish terms and identify the technical risks requiring particular attention.
Independent TIS
An independent technical inspection provider develops and delivers the agreed risk-based review and inspection plan.
Underwriting reassessment
Index considers the insurance significance of the evidence, including how issues have been identified, managed and closed.
Final release
Technical prerequisites and underwriting conditions are confirmed before final cover attaches.
Risk based, not checklist based
Inspect what matters.
We focus our reviews on the five areas of highest building risk: structure, waterproofing, façade and envelope, fire and life safety, and key services and interfaces. The depth and timing of each review respond to the project; a fixed inspection count or generic checklist cannot determine long-term insurance risk on its own.
Structure
Waterproofing
Façade & envelope
Fire & life safety
Key services & interfaces
Less duplication.
Better evidence.
Developers and builders are already required to operate quality, compliance and assurance processes. Index’s approach is to understand those systems first.
Where they are effective, technical inspection should test and leverage them rather than simply overlaying another insurer checklist.
Independent inspection remains independent. But independence should not mean duplication.
Developer QA
Builder QA
Independent TIS
Underwriting
evidence
evidence
Building
Protection
Protection
What Index looks for
A project that remains within underwriting appetite.
A capable developer
A capable builder
A well-understood design
Effective project governance
Quality controls that operate
Early closure of issues
Independent technical evidence
Clear underwriting alignment
We are interested in the effectiveness of the controls, not simply the number of inspection findings.
Quality is easier to insure when it is visible.
Talk to our team about creating a clear evidence pathway for your project.
Talk to Index