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Property & Liability Surveys
Combined property condition, premises liability, operations, photos, protection, and risk observations for underwriting review.
Commercial Underwriting Surveys
Twenty First Services provides commercial underwriting surveys, loss-control surveys, and insurance inspection reports for MGAs, E&S carriers, insurance carriers, agents, and underwriting teams.
Founded in 1980, TFS is a second-generation commercial insurance inspection and loss control firm providing active regional field inspections across the Southeast, New Jersey, Kansas, Missouri, and New York City while supporting clients nationwide with phone inspections.
Underwriting Surveys for Commercial and Specialty Risks
A commercial underwriting survey helps insurance professionals evaluate a business risk by documenting property characteristics, liability exposures, occupancy, operations, photos, protection features, hazards, and loss control observations.
TFS supports carrier and MGA underwriting surveys for commercial property and casualty risks, including E&S and specialty insurance accounts that need practical, underwriter-focused reporting.
Survey and Inspection Report Types
TFS provides commercial insurance inspections, commercial underwriting surveys, and loss-control survey reports across multiple report types and risk classes.
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Commercial Loss-Control Surveys
Practical loss control observations and recommendations tied to commercial property and casualty exposures.
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Garage, Contractor & BOP Surveys
Underwriting survey support for garage liability, contractors, retail/BOP, service businesses, and related operations.
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Builder's Risk & Inland Marine
Survey information for construction projects, contractor equipment, storage, tools, materials, and inland marine exposures.
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Habitational & Industry-Specific Risks
Reports for apartments, lessors risk, restaurants, convenience stores, hotels, vacant buildings, and other commercial classes.
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Nationwide Phone Surveys
Telephone inspection and underwriting survey support for efficient risk information gathering outside field coverage areas.
What a Commercial Underwriting Survey May Document
Survey requirements vary by client, risk type, policy line, and carrier instructions. Common report elements include:
- Business operations, occupancy, and risk classification details.
- Construction, roof, exterior condition, utilities, and protection features.
- Premises liability conditions, housekeeping, walking surfaces, egress, and life safety.
- Photos, diagrams, notes, and report details requested by the carrier or MGA.
- Loss control observations, recommendations, and account-specific underwriting concerns.
- Building valuation support when requested as part of the inspection assignment.
Commercial Risk Classes TFS Supports
TFS works across the commercial lines classes frequently associated with carrier and MGA underwriting surveys.
Habitational
Restaurants
Garage Liability
Contractors
Retail / BOP
Builder's Risk
Inland Marine
Vacant Buildings
Hotels / Motels
Convenience Stores
Lessors Risk
Service Businesses
Regional Field Coverage + Nationwide Phone Support
TFS maintains active field inspection coverage across established regional territories while phone inspection support is available nationwide.
Active field coverage includes Oklahoma, Texas, Louisiana, Mississippi, Alabama, Georgia, Florida, South Carolina, North Carolina, Virginia, Tennessee, New Jersey, Kansas, Missouri, and New York City. Planned expansion markets include broader New York State, Pennsylvania, Connecticut, Arkansas, Kentucky, West Virginia, Maryland, and Delaware; broader New York State staffing is planned for Q1 2027.
OK
TX
LA
MS
AL
GA
FL
SC
NC
VA
TN
NJ
KS
MO
NYC
TX
LA
MS
AL
GA
FL
SC
NC
VA
TN
Why This Language Matters
Different clients use different terms for similar work. Some call them commercial insurance inspections, some call them underwriting surveys, and others call them loss-control surveys.
TFS supports all three concepts by gathering risk information that helps insurance professionals understand commercial properties, operations, exposures, and loss control needs.
Need Commercial Underwriting Survey Support?
Contact Twenty First Services to discuss commercial underwriting surveys, loss-control surveys, insurance inspections, field coverage, and phone inspection support.