Expertise

Risk Analysis

The best insurance starts where others don't yet realize there's a problem.

At SATUM, we view risk analysis as the foundation of the entire insurance strategy. First, we understand how your company actually operates – and only then do we propose solutions. We don’t work with templates, but with context. Together with you.

What our approach is based on

Operational reality instead of paper ideal

Our analysts visit operations, take photos, measure and map. Thanks to this, we know what risks you actually face.

Context, not just a list of threats

We’re not only interested in explosive materials or the age of the building. We track the connections between technologies, suppliers, processes and people.

Focus on development and dynamics

Analysis is not a one-time event. Our clients regularly review risks with us according to changes in the company and the surrounding world.

Experience and technology

We combine human know-how with modern tools.

What you gain as a client

It’s not just about a document. It’s about the certainty that you know what can threaten you.

Clear overview of weaknesses and strengths of your operation
Basis for proper insurance coverage settings without unnecessary costs
Better negotiating position with insurers thanks to relevant data
Our recommendations protect you from underinsurance, duplications or exclusions
Support in decision-making about investments, changes and expansion
Regular review and update of risks according to developments in the company and surroundings

How do we proceed at SATUM?

Clearly. Thoroughly. In four steps.

Risk analysis in our interpretation is a living process – from initial inspection to regular updates.

1

Identification of real threats

We thoroughly map all risks that can realistically threaten your company’s operations – using modern technologies including drones.

2

Risk assessment and prioritization

We analyze the probability of occurrence and impact of each risk. We use data analysis and simulation models.

3

Proposal and implementation

We propose strategies for risk management – prevention, impact mitigation or transfer to the insurer.

4

Risk monitoring and review

We continuously monitor risks and adapt strategies to the current business context.

Technology in action

Drone imaging of risk areas

Drone risk inspections are a key tool that significantly speeds up monitoring of insured objects and operations. Thanks to photogrammetry technology, we create detailed 3D models of buildings.

Drones penetrate even hard-to-reach places that can significantly affect the safety of objects. This innovative approach ensures more efficient risk assessment and more precise insurance coverage settings according to real needs.

Experience from practice

education

Detection of hidden roof damage

At an educational facility, we identified roof covering damage using a thermal camera mounted on a drone, which was not identifiable with the naked eye. The client performed a repair of the local area, and thanks to this prevention, it was not necessary to replace the entire roof covering.

manufacturing

Fire prevention at PV panel

At a PV system located on the roof of a production facility, we detected during a risk inspection, using a thermal camera mounted on a drone, damage to a PV panel that was overheating and thus posed a fire risk.

industry

Detection of underinsurance before tornado

Thanks to a 3D model of the production site, we quickly calculated the built-up area and discovered significant underinsurance. We set the correct insurance amounts. During the following month, the objects were damaged by a tornado – the insurer did not apply underinsurance.

agriculture

Mapping field damage using AI

During the settlement of an insurance claim, we mapped crop lodging caused by windstorm and hail using an RGB camera on a drone. Data evaluation with AI help determined the extent of the damage – the claim was paid without further questions.

SATUM risk analysis team

Team Leader

Ing. Michal Vláčil

Risk Manager

Thanks to modern technologies, we have completely revolutionised how we conduct risk analysis. Today, through digitisation of insured assets, we can examine insured properties with extraordinary precision, uncover hidden risks and prepare insurance protection that precisely reflects reality.

Risk analysis is carried out by our multidisciplinary team of technicians, engineers, security specialists and insurance analysts. Each member brings experience from various sectors – from industry through healthcare to logistics and a number of other important fields.