Why Insurers Require Thermographic Surveys
Insurance providers increasingly require electrical thermographic surveys as part of their risk-management protocols. Electrical faults remain one of the leading causes of industrial and commercial fires in South Africa. A thermal inspection identifies hidden defects before they escalate into failures, losses, or claims.
We conduct insurance-compliant thermographic surveys across KwaZulu-Natal, Gauteng, Western Cape, and Eastern Cape, with reports accepted by Santam, Hollard, Bryte, and Old Mutual Insure for underwriting compliance and policy renewal.
Our insurance surveys cover electrical distribution systems as standard scope. Where your insurer or risk engineer has identified mechanical, moisture, or process-heat exposures, we extend coverage to mechanical equipment, cold storage and building moisture, and steam and lagging systems within the same mobilisation.
Our Role in Insurance Risk Reduction
Enisave Solutions performs Santam-approved and insurer-compliant thermographic surveys across commercial, industrial, and retail sites. Every inspection is conducted live, under load, following recognised diagnostic principles aligned with ISO 18434-1 (Condition Monitoring – Thermography).
Our reports provide evidence-based findings that insurers use for underwriting, renewals, and risk scoring. Reports are structured for direct submission and issued within 24 hours of survey completion.
Why Insurance Companies Are Requesting These Surveys
- Reduce probability of electrical fires and catastrophic losses
- Verify electrical maintenance practices on insured premises
- Support underwriting and renewal cycles
- Ensure compliance with insurer risk requirements
- Identify faults early to prevent claims
Key Benefits to Insurers & Clients
- Reduces fire risk and equipment failure
- Minimises unplanned downtime and production loss
- Supports proactive maintenance planning
- Provides photographic evidence for risk audit trails
- Improves safety for staff and contractors
Our Inspection Methodology
All surveys are performed by certified thermographers using calibrated FLIR equipment, conducted live under normal operating load at or above 40% rated capacity. We evaluate:
- Electrical distribution boards
- Motor control centres (MCCs)
- Cable terminations & busbars
- Main incoming panels
- Transformers & LV feeders
- Mechanical equipment (where required)
Santam Insurance Approved Supplier
Enisave Solutions holds approved supplier status with Santam Insurance, South Africa's largest short-term insurer. Our reports are accepted directly by Santam for risk compliance purposes.
Our focus is simple: prevent electrical fires, protect people, and reduce insurance risk.
Who Uses Our Reports
- Santam Insurance and their commercial/industrial policyholders
- Hollard, Bryte, Old Mutual Insure, and Mutual & Federal
- Commercial property portfolios and facility managers
- Manufacturing facilities and retail centres
- Risk engineers and insurance brokers
Severity Classification
P1 — Critical
Immediate shutdown recommended. Imminent failure or fire risk. Action required before resuming operation.
P2 — Serious
Remediate within 7 days. Significant risk under continued operation. Notify insurer if required.
P3 — Moderate
Schedule within 30 days. Monitor closely if deferral is necessary. Document in maintenance register.
P4 — Low
Routine maintenance item. Monitor at next scheduled survey interval.
Report Contents
Thermal & visual images, measured temperatures (°C), ΔT values, load references, fault severity, and corrective action recommendations.
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