Property Loss Prevention (HPR)

Our engineers average over 28 years experience in analyzing large commercial property risk. Our analysis includes a detailed review of the hazards involving the Construction, Occupancy, Protection and Exposure (COPE) of the site. We also perform a review of all natural hazard perils such as flood, windstorm and earthquake hazards.

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Property Loss Prevention (HPR)

HPR is a common acronym in the Property insurance industry and stands for highly protected risk.

To be considered an HPR facility, there are some basic protection features that are required for the Construction, Occupancy, Protection and Exposure (COPE) of the building. Adding protection of Natural Catastrophe (NatCat) type perils such as flood, wind, snow, hail and earthquake also qualify as an HPR risk. One of the most important items is management’s commitment to maintaining and updating the facility, its operations, and the fire systems. These are usually classified as Human Element programs.

How does Risk Logic handle HPR facilities?

All of these risk management factors are reviewed by Risk Logic during their detailed Property Loss Prevention inspection. The inspection is followed by a report that provides a comprehensive review and analysis of the inspection. The benchmark is typically NFPA or FM Global standards. The COPE, NatCat, and Human Element programs are reviewed, and details are provided within the report. Recommendations are issued when areas do not meet the industry standards. All of this can be accessed real-time in our RMIS portal.

The Risk Logic staff of Professional Engineers is constantly training and reviewing new Property Loss Prevention standards. With an average of over 28 years of experience in HPR servicing, we are prepared to handle any occupancy.

  • Nearly all engineers at Risk Logic have previously worked for FM Global or IRI earlier in their careers.
  • The experience and training received at these companies provides a strong knowledge base.
  • We continue to stay apprised of new hazards, protection schemes and technological advances through our membership and involvement in the Society of Fire Protection Engineers (SFPE) and NFPA, as well as ties to several major HPR insurance companies.
  • Our engineers have performed thousands of site inspections and plan reviews and have written a similar amount of loss prevention reports.
  • RLI offers an Impairment Notification Program to all locations contracted for HPR services.
  • Each of our engineers has specialized training to deal with highly challenging occupancies, exposures and hazards.
  • RLI believes that proper instruction and training are essential for the plant personnel responsible for fire protection and loss prevention. We offer several different training seminars that can be customized for your facility or organization.

Building Valuation Analysis

We perform property valuations using an industry leading online valuation service. Our engineers perform the desktop appraisal as part of their Property Loss Prevention survey.

Natural Catastrophe Analysis

Risk Logic engineers are Experts in Windstorm, Flood and Earthquake Analysis and the Collection of Modeling Data for RMS Modeling.


There are many different forms of cyber-attacks that happen throughout the world. One example of a cyber-attack is when hackers override control of the industrial control systems and lock the owners out for ransom. This would result in a complete stop in production, which would cause the company to be unable to fulfill its production commitments and lose revenue and customer trust. Another form of cyber-attack is when hackers target a control system that can influence the physical properties of the production area. There are many different steps to take when dealing with a cyber-attack. These steps can be broken down into two sections: prevention and response.

Prevention involves preventing the cyber-attacks from happening by enhancing security and being prepared for attacks. When an employee is fired the company should terminate the employee’s accounts and change the passwords to critical security and control systems. This would help prevent cyber-attacks committed by the disgruntled ex-employee. Some companies hire hackers on a regular basis in order to see where their security can be penetrated so the IT team can focus on strengthening these areas. Companies should enhance their detection of cyber-attacks by monitoring the industrial control systems and looking for suspicious changes. Furthermore, companies should prevent employees from using flash drives and opening emails that are not work related to avoid security breaches and viruses.

Response involves the steps to take after a cyber-attack has already happened. Cyber insurance coverage can help a company recover from the financial loss caused by a cyber-attack. After an attack happens the company should prepare for the next attack. As time goes on, technology’s role in society will only increase, which means cyber-attacks will continue to happen and become more influential. These cyber-attacks can greatly hinder production and cause several other problems.

Risk Logic can assist you preparing for a cyber-attack by reviewing employee, security and network issues. We can provide a Cyber analysis as part of our Property Loss Prevention inspection.