About Datum

Datum Risk Engineering is a reference resource on property risk — written for brokers, underwriters, and risk practitioners who want the reasoning behind a position, not just the definition of a term.

The guides here are written by a working risk engineer with experience across HPR property surveys and London Market submissions. Content is published independently of any single employer or carrier, and reflects patterns and judgment calls observed across real assessments, not a textbook restatement of standards.

What you'll find here

• Working notes on exposure assessment — EML, PML, and MFL, and where they diverge in practice
• What actually gets flagged in HPR surveys, and what tends to be over-worried about
• Practical guidance on management controls — permits, protection systems, and the gaps between a compliant system on paper and a protected risk in reality
• Downloadable reference forms and checklists, built to be adapted to a specific site rather than used as-is

What this isn't

Nothing published here is engineering, underwriting, or legal advice, and none of it substitutes for a site-specific survey or professional assessment. It's intended as a starting point for thinking clearly about a risk — not a final answer for any individual one.

Get in touch

Questions, corrections, or enquiries about advisory work are welcome via the contact page.