The risks that shape your insurance outcomes start long before renewal
For organisations building or operating complex assets in Asia, risk is rarely static. Design gaps that go undetected early become costly retrofits, project delays, and compliance exposures later. In fact, up to 70% of rework in construction and engineering projects stems from design-induced errors. Unresolved design issues can also create regulatory exposure and drive higher ongoing insurance costs that compound well beyond the construction phase.
At renewal, the pressure rises. Insurers are applying greater technical scrutiny to complex facilities, prior losses, and natural catastrophe exposures. This means that submissions that fail to meet requirements often result in higher premiums, reduced capacity, or unfavourable terms.
The deeper problem is what happens at the insurer table itself. When the only engineering voice in the room belongs to the underwriter, organisations have little basis to challenge assumptions, counter technical clauses, or present their own risk narrative.
Marsh’s risk engineering team helps you close that gap. We prepare underwriter-grade evidence, validate exposure data, and quantify loss scenarios so you can lead the conversation at the insurer table.
How can Marsh’s risk engineering solutions support your business at every stage?
1) Pre-construction: Identify design risks before they are built in
Design issues are significantly harder and more expensive to resolve once they are embedded in a project. Marsh's property risk engineering design review identifies gaps early — when changes are still practical and cost-effective — across:
- Building features and construction design.
- Fire and life safety systems.
- Natural hazard resilience and process hazards.
- Insurer and lender technical expectations.
For data centres, renewable energy projects, infrastructure developments, and high-tech manufacturing facilities, early design review helps address potential obstacles before they affect project timelines or insurance outcomes.
2) Specialist modelling: Test complex risk scenarios with confidence
For high-hazard facilities where standard assessments fall short, Marsh uses computational fluid dynamics modelling to simulate fire, smoke, explosion, toxic gas dispersion and ventilation scenarios. The result is a data-led view of how complex risks behave in real environments which supports better design decisions and more defensible insurance submissions for semiconductor cleanrooms, data centres, battery energy storage systems, and chemical storage facilities.
3) Exposure data and loss modelling: Defend your limits
Inaccurate or unvalidated asset data can weaken your position at renewal. Marsh validates asset data and models potential loss scenarios — including estimated maximum loss, business interruption exposures and natural catastrophe risks — giving project owners a clearer, more defensible basis for evaluating deductibles, limits, retentions and premium trade-offs. Where needed, our engineers can also run valuations and risk finance optimisation to help determine the most efficient combination of retention, limits and premium for your programme.
4) Pre-renewal: Build your case before insurers set the terms
Marsh provides property underwriting surveys that give insurers the technical information they need to assess exposure, coverage and pricing on terms you have helped shape. Our risk engineers:
- Conduct site surveys and review key documents.
- Advocate to underwriters on behalf of clients to improve their risk profiles
- Compile findings into a property underwriting report.
- Review policy wordings to identify coverage gaps or misaligned clauses.
Your team can then walk into renewal discussions with evidence that explains what has improved, where exposures remain and how mitigation actions affect the overall risk picture.
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