HovSebench Engineering uses a proprietary Risk Matrix Rating system that scores a business facility based upon 23 different property loss control criteria. The scores are used to identify areas where there are opportunities for improvements and locate trends throughout a business in the annual Stewardship Report.

Sebench Engineering uses three different loss scenarios, which are critical for understanding what is at risk for an insurance company, when conducting a loss control survey:

• NLE – Normal Loss Exposure is considered to be the maximum combined property and business dollar loss expected from a single fire occurrence considering that all active and passive protection systems and features are operating as expected under normal conditions. © 
• PML– The Probable Maximum Loss is considered to be the maximum combined property and business interruption dollar loss expected from a single fire occurrence considering that all passive protection systems and all but the most critical active system operating as expected under normal conditions. ©
• MFL– The Maximum Foreseeable Loss is considered to be the maximum loss expected from a single fire occurrence considering all active and most passive protection systems fail. The fire is limited by a lack of combustibles, a properly designed and maintained MFL fire wall, or physical separation. No credit is given to actively fire fighting as no fire water is considered available under an MFL fire scenario.©

Sebench Engineering offers a Comprehensive Loss Control Survey that evaluates a facility on 23 loss control characteristics (Risk Matrix Rating), as well as Maximum Foreseeable Loss (MFL)©, Probable Maximum Loss (PML)©, and Normal Loss Exposure (NLE)© valuations. Sebench surveys provide businesses with thorough documentation of risks and the cost-effective improvements recommended. Sebench Engineering also offers a Focused Loss Control Survey, an evaluation of a facility on four of the 23 loss control characteristics.

Sebench Engineering can prepare and manage a comprehensive Stewardship Report to help market your company’s insurance policy. Our team of industry experts organizes all available information and recommendations from all relevant loss control surveys. We compile all data, prioritize recommendations, and prioritize the scope and timelines.

Licensed Professional Fire Protection Engineers at Sebench Engineering offer plan review services. We can do desktop project reviews, and reviews of fire protection design criteria and construction. Sebench experts can also perform conceptual planning of new projects plans, produce drawings for facility changes and automatic fire protection systems, and design processes as they relate to property loss control.

Sebench team members have expertise in the National Fire Code, the Factory Mutual Standards, the International Building Code, and legal and state requirements.