Commercial property insurance is rated on declared floor areas, construction, protection features and business interruption profile. Where the policy record is built from old plans or cautious estimates, the premium can overstate the actual risk. Portrait produces the measured evidence and supports a mid-term adjustment where it is justified.
For qualifying instructions the LiDAR scan is arranged at no upfront survey charge under signed terms. Our fee applies only if a qualifying reduction, refund or agreed saving is achieved.
When records are incomplete, insurers apply conservative assumptions, keep endorsements in place or defer any correction to renewal. A measured record of the building gives your broker something concrete to take back to the underwriter, mid-term rather than next year.
Floor areas, heights and volumes from LiDAR capture, aligned to RICS measurement practice.
Visible risk features documented as found: separation, shutters, alarms, sprinklers, access control.
A prepared mid-term adjustment request your broker can put to the insurer without rework.
We read the schedule, declared values and endorsements against whatever plans and records exist.
The building is scanned and the risk-relevant facts are recorded, with no upfront survey charge for qualifying cases.
Discrepancies are set out in an evidence pack framed for underwriting review.
Where the insurer accepts the corrected data, the premium, refund or cover change follows mid-term.
A first assessment is free and commits you to nothing. We reply in writing with a clear view of whether a case is worth pursuing.
