Cirk Risk Solutions

Collaboration. Innovation. Risk. Knowledge.

Independent risk engineering that helps you understand and manage your true risks

Cirk Risk Solutions is a Melbourne-based risk engineering and risk management firm, providing coverage across Asia Pacific. We are trusted, independent advisers to the general insurance industry: insureds, brokers and insurers.

Email usSee Cirk Reports

Services

Underwriting risk surveys

  • Fire and other perils
  • Construction, occupancy, protection and exposure (COPE)
  • HPR and non-HPR risk assessments
  • Survey updates using previous reports

Fire protection & sprinklers

  • Automatic sprinkler protection reviews (AS 2118)
  • Water supplies and hydrants
  • Special protection systems
  • Essential safety measures audits

Loss estimates

  • Maximum Foreseeable Loss (MFL)
  • Maximum Probable Loss (PML)
  • Normal Loss Expectancy (NLE)

Natural hazards

  • Bushfire
  • Flood and surface water
  • Windstorm and hail
  • Earthquake

Risk management

  • Policies, procedures and permit to work systems
  • Emergency response and impairment management
  • Business continuity planning
  • Merger and acquisition due diligence

Liability

  • Life safety
  • Slips, trips and falls
  • Public, product and professional liability

Cirk Reports

Online risk reports and dashboard

Every Cirk survey is delivered through our own secure online portal. Insurers, brokers and clients log in to read issued reports, compare sites by risk, and respond to recommendations online, with no more chasing spreadsheets and email chains.

  1. 1SurveySite inspection and data capture
  2. 2ReportOne consistent layout, PDF or Word
  3. 3RatingCOPE scores, grade and traffic lights
  4. 4DashboardSites ranked worst-first
  5. 5RecommendationsTracked online through to closure

Secure report portal

  • Individual logins for clients and brokers
  • Brokers can cover several companies; clients see only their own issued reports
  • Issued reports are frozen and verifiable
  • PDF and Word downloads
  • Hosted in Australia (Sydney)

Consistent reports

  • One report layout, with optional sections to suit the site
  • Loss estimates (MFL, PML, NLE) and declared asset values
  • Natural hazard data for each site

Transparent risk rating

  • COPE-based model: each field scored 1 to 5
  • Field scores roll up to factor scores, an overall score and a grade
  • Traffic lights: green 3.5+, amber 2.0–3.49, red below 2.0
Risk ranking
Company ▾Region ▾Values ▾Date ▾Industry ▾
SiteScoreGrade
Example Cold Store A1.8E
Sample Warehouse B2.6D
Demo Plant C3.1C
Test Distribution D3.9B
Illustrative example: risk ranking dashboard
Score explorer

All companies › Example Co › Site A › Factors

Con
Occ
Pro
Exp
Mgt
Nat
BI
Illustrative example: click a bar to drill down
Recommendation response

R1 · Sprinkler impairment procedure

OpenIn progressCompletedNot accepted

“Procedure adopted and staff trained.”

📎 procedure.pdf   📷 photo.jpg

Awaiting Cirk confirmation

Illustrative example: client responds online
Demo dashboard: map, score explorer and report list (demo data)

Risk ranking dashboard

Ranks sites from highest risk to lowest, with filters for company, region, asset values, survey date and industry.

Score explorer

A clickable bar chart that drills down from company to report, to factor, to individual field scores, so you can see exactly what drives a rating.

Recommendations tracking

Clients update each recommendation (Open, In progress, Completed or Not accepted), add comments and supporting files or photos. Cirk reviews and confirms closure. The issued report is never altered.

Who it helps

Insurers

  • Compare sites on the same scoring basis
  • Focus engineering effort on the worst risks first
  • See recommendation progress without chasing

Brokers

  • One login across all your clients' companies
  • Show insurers evidence of improvements
  • Download reports when you need them

Direct clients

  • Your reports in one place, any time
  • Clear traffic lights show where to act
  • Respond to recommendations and upload evidence online

Log in to Cirk Reports Request demo access Prospective clients can request demo access to the Cirk Reports portal. Have existing reports? See report conversion.

Report conversion

Convert a portfolio of reports into the Cirk format

Already have a back-catalogue of risk survey reports from different surveyors and in different layouts? Cirk can convert them into the consistent Cirk format and load them into the Cirk Reports portal, so the whole portfolio can be searched, rated and compared on one dashboard, with traffic-light ratings, grades, filters and a map.

Who it's for

  • Insurers and underwriters with a book of mixed survey reports
  • Brokers managing reports across many clients
  • Insureds with reports from several surveyors over the years

What you get

  • A consistent structure across every report
  • Ratings and grades on the Cirk scoring basis
  • A searchable dashboard with filters and a map
  • The original findings and wording preserved

Confidentiality

  • Reports are handled in confidence
  • Kept within Cirk's own secured systems, with the portal hosted in Sydney
  • Not passed to outside parties
  • Deleted from working storage after delivery, or on request

How it works

  1. 1Send a sampleEmail one to three existing reports.
  2. 2Review the converted sampleCirk returns them in the Cirk format for you to review, with no obligation.
  3. 3Convert the portfolioThe full portfolio is converted and loaded into the Cirk Reports portal.

Request a sample conversion

For insurers and underwriters

Better risk selection

Identify and quantify insurable risks by location, by peril, by client or across your entire portfolio.

Consistent, comparable grades

The same scoring framework applied to every site, with the evidence behind each rating.

Plain English

Risk issues communicated with insight, integrity and in plain English, with clear, prioritised recommendations.

Insurers and underwriters we have worked with

Tokio Marine HCCCertus Risk ManagementQBEAIGMunich Re HSB Engineering InsuranceLumley InsuranceVMIACatholic Church InsuranceAnsvar InsuranceStrata Community InsuranceLMI GroupLatitude UnderwritingSura

For brokers

Present risks well

Independent, well-documented survey information helps insurers underwrite efficiently and supports better terms for your clients.

Resolve issues pragmatically

We help find the most cost-effective way to close out recommendations, from a detailed portfolio survey to a single plan or document review.

Track improvements

Show insurers how a client's risk has improved between surveys.

Brokers we have worked with

Arthur J. Gallagher & Co.MarshLocktonSteadfast IBGAdroit Insurance GroupBendigo Insurance BrokersMcLardy McShaneJLTPNO InsuranceWindsor Management Insurance BrokersScott Winton Insurance BrokersLinx Australia GroupCMIB Insurance ServicesMilne Alexander

For direct clients

In the absence of good risk information, insurers will fill the gaps with premium.

Lower total cost of risk

Understanding your exposures lets you tailor your insurance and risk management, including below-deductible issues and low-probability, high-consequence events.

Know where to invest

Ranked recommendations show which improvements make the biggest difference to your risk profile.

Independent advice

Our advice is aligned to your needs, not the needs of others. We can also help you work towards Highly Protected Risk (HPR) status.

Clients we have worked with

State Government of VictoriaJohn HollandPort of MelbourneCostco WholesaleMelbourne ZooPhillip Island Nature ParksMunicipal Association of VictoriaOffice of the Commissioner for Privacy and Data ProtectionCommissioner for Law Enforcement Data SecuritySt Vincent de Paul SocietyManningham CentreBarwon CoastPentridge Village CentraleScorpio FoodsNulonLoyalty.com.auExperimentaAustralian VintageANZIIF

About Cirk

We provide specialist risk engineering and risk management services to clients that want to understand their risks and establish practical and sustainable risk management and insurance programs.

Independent

Advice aligned to your needs.

Expert

HPR-trained engineering consultants with the technical depth to deliver on all projects and programs.

Experienced

30 years plus experience across all types of industry, hazards and insurance coverage classes, throughout Asia Pacific.

Andrew Higgins – HPR trained risk engineer with 30 years plus experience across a complete range of industries as well as government, infrastructure, public health and education.

Contact

Cirk Risk Solutions, Melbourne, Victoria. Coverage across Asia Pacific.

Mobile: 0409 168 044
Email: andrew@cirk.com.au

Send an enquiry