Loading · Risk Engineering · South Africa

Commercial Risk Engineering · South Africa

RISK ENGI­ NEERED.

Independent commercial property risk surveys and engineering assessments for the South African short-term insurance market.

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SANS
Fully CompliantSANS 10400 series & applicable standards
OHS
Act AlignedAll findings OHS Act referenced throughout
15+
Years ActiveProprietary methodology developed in the field
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Risk Management ◆ Property Assessments ◆ Asset Inventory ◆ Thermal Condition Reporting ◆ Drone Surveys ◆ Replacement Cost Valuation ◆ Hazard Identification ◆ Insurance Survey Reports ◆ Risk Management ◆ Property Assessments ◆ Asset Inventory ◆ Thermal Condition Reporting ◆ Drone Surveys ◆ Replacement Cost Valuation ◆ Hazard Identification ◆ Insurance Survey Reports ◆
0%
IndependentNo insurer affiliation — fully objective findings
0+
Years ExperienceProprietary methodology refined in the field
0hr
TurnaroundDraft reports delivered within 48 hours of inspection
0
Core ServicesRisk, property, thermal, drone, valuation & reporting

What We Do

CORE
SERVICES

Every engagement is customised to the specific risk profile of the property. Hover each service to explore.

01
Risk Management
Comprehensive hazard identification and risk assessment reporting with SANS-referenced findings and prioritised mitigation recommendations.
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02
Property Assessments
Detailed condition assessments covering roofing, pavements, exterior fabric, stormwater, and building envelopes against SANS 10400.
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03
Asset Inventory
Residential and commercial replacement cost valuations with content inventories and sum-insured verification for accurate underwriting.
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04
Thermal Reporting
Infrared thermal imaging of electrical distribution boards identifying hotspots, overloaded circuits, and fire ignition risks.
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05
Drone Surveys
Aerial surveys for roofing, site layout, and access assessment delivering geo-referenced, high-resolution imagery for insurer reports.
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06
Survey Reports
Insurer-ready reports with executive summaries, MPL assessments, SANS references, and prioritised action items for underwriting decisions.
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Site inspection
Field Inspection · Gauteng

About Us

FIFTH
RISK
SERVICES

Fifth Risk Services is an independent commercial property risk engineering firm based in Benoni, Gauteng — operating across South Africa for the short-term commercial insurance market.

Our reports are built on fifteen years of proprietary methodology — combining on-site engineering rigour with SANS and OHS Act regulatory frameworks to produce legally defensible, insurer-ready outputs.

01

Regulatory Alignment

All findings anchored to SANS standards, OHS Act provisions, and insurer requirements.

02

On-Site Precision

Physical inspection, photographic documentation, and direct facility engagement — every time.

03

Independent Perspective

Objective and commercially neutral findings — unbiased risk intelligence for insurers.

Our Work

Industrial
Manufacturing & Warehousing
Commercial
Office & Retail Centres
Electrical
Thermal Imaging & Inspections
Aerial
Drone Survey Operations
Engineering
On-Site Risk Assessments
Reporting
Insurer-Ready Survey Reports
Industrial
Manufacturing & Warehousing
Commercial
Office & Retail Centres
Electrical
Thermal Imaging & Inspections
Aerial
Drone Survey Operations
Engineering
On-Site Risk Assessments
Reporting
Insurer-Ready Survey Reports

Drone Services

AERIAL
SURVEY
CAPABILITY

Drone technology expedites and simplifies the insurance survey process. Where ground-based inspection is time-consuming or unsafe, our UAV capability delivers precise photographic and thermal data — integrated directly into the survey report.

◆ Roof and facade condition surveys
◆ Site layout and boundary documentation
◆ Geo-referenced aerial photography
◆ Access and egress route mapping
◆ High-resolution imagery for insurer reports
UAV
Certified Operations
4K
Image Resolution
GPS
Geo-referenced Data

Proprietary Technology

RISK,
TRACKED.

Most survey firms run on off-the-shelf inspection apps. We outgrew them — so we built our own. RiskTrack is the platform behind every Fifth Risk Services report: structured capture in the field, requirements raised the moment they are found, and an insurer-ready report compiled before we leave site.

Built in-house · In daily field use
risktrack — FRS Risk Assessment Survey
LIVE
SECTION 05 · ELECTRICAL INSTALLATION
Condition of main distribution boards
Select the observed condition — scale drives the report heat map.
EXCELLENT
GOOD
FAIR
POOR
CRITICAL
SITE EVIDENCE
+
REQUIREMENT RAISED
REQ·014 HIGH PRIORITY
Thermographic survey of main distribution boards
Infrared inspection of all main and sub distribution boards to be undertaken by a competent person, with defects rectified and a certificate of compliance issued in terms of SANS 10142-1.
SECTIONElectrical
DUE30 Days
STATUSOpen
Auto-added to the Requirements Register & client evidence portal
REPORT COMPILED
Risk Assessment SurveyFifth Risk Services (Pty) Ltd
PUBLISHED · SHARE LINK ACTIVE
Conventional report build3–4 hrs
On RiskTrack30 min
01
Structured Field CaptureEvery section, question and photograph captured on site against a fixed methodology — nothing reconstructed from memory afterwards.
02
Live Requirements RegisterFindings become numbered, referenced requirements as they are raised, with priorities and due dates carried through to the report.
03
Client Evidence PortalThe insured uploads proof of completion against each requirement — progress is visible to all parties without a single email thread.
04
Insurer-Ready OutputExecutive summary, heat maps, SANS references and prioritised actions generated straight from the survey data.
THERMALHandheld and drone thermal imagery processed and ranked inside the platform.
AERIALDrone survey imagery and inline 360° site walkthroughs attached to the report.
REGISTERRequirement tracking from first survey through to close-out and re-inspection.
REPORTINGBranded PDF and secure share links issued direct to insurer and broker.

READY TO COMMISSION A SURVEY?

Contact us today to discuss your property risk requirements. We respond within one business day.

Call +27 83 305 9784 Send a Message
FRS

Get In Touch

CONTACT

LET'S TALK
RISK.

Contact us to discuss how Fifth Risk Services can support your underwriting or risk management requirements across South Africa.

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Location
75 High Road, Norton Home Estates, Benoni, Gauteng