SURVEY REPORT

DISCLAIMER

This report and all information contained herein together with any attachments is the property of NICO GENERAL
INSURANCE COMPANY LIMITED. This report is confidential to PRO. KHUMBO KALUA T/AS LAKEVIEW GUESTHOUSE and
may contain private, privileged or proprietary information. This report is intended for a specific and individual purpose.
This report or any party thereof may not be disseminated in any manner to any person, without the prior written consent
of the duly authorized representative of (Company). If you are not the intended recipient of this report or any part
thereof, any disclosure, copying, alteration or distribution thereof NICO GENERAL INSURANCE COMPANY LIMITED shall
not be liable for the consequences and any loss or damage that might flow from the erroneous dissemination of this
report or any part thereof or from the dissemination of this report or any part thereof, in any manner, other than as
provided herein.

The purpose of this report is to provide underwriters with information that is material to their underwriting decisions, and
to assist the insured in minimising the possibility of loss from fire and other insured perils. It does not imply that no other
hazardous conditions exist.

Figure 1: Front view of the premise

Figure 2: Front view of the building

Figure 3: Back view of the building with iron sheets

Figure 4: Arial view of the area. Lake view guesthouse is about 1KM from clubmak.
REPORT DETAILS
SURVEY REQUESTED BY SURVEYOR NAME SOTHINI NGULUBE
DEPARTMENT UNDERWRITING SURVEY REF. NUMBER 2018.12.03
DATE OF REQUEST 28 November 2018 SURVEY DATE 3 December 2018
NEW BUSINESS  IS THE GENERAL RISK YES NO
RENEWAL ACCEPTABLE? 
REASON FOR SURVEY
AMENDMENT RISK REQUIREMENTS 
POST LOSS REASON IF UNACCEPTABLE
RISK MGT.

DETAILS OF THE INSURED

NAME OF INSURED PROF.KHUMBO KALUA T/AS LAKEVIEW GUESTHOUSE
POLICY NUMBER NEW
BROKER (IF APPLICABLE)
PHYSICAL RISK ADDRESS: PLOT NO. SR/MI/2007/89, MAKAWA VILLAGE, MANGOCHI

CONTACT PERSON MR C. CHAFUNYA

TELEPHONE NUMBER 0996892824
OCCUPATION GUESTHOUSE
FULL DESCRIPTION FIVE BEDROOM GUESTHOUSE
GPS COORDINATES

POLICY SECTIONS
CONTRACTORS ALL RISKS
FIRE & ALLIED PERILS
BURGLARY
SECTIONS COMPLETED
BUSINESS ALL RISKS WORKERS 

COMPENSATION
 FIDELITY GUARANTEE  MONEY
 PUBLIC LIABILITY  HOUSEOWNERS
TECHNICAL INFORMATION
EML
SECTION ITEMS SUM INSURED VALUE AT
EML (%)
(MK) RISK
FIRE AND ALLIED PERILS
Structure of main building
(thatched with treated including 26,000,000.00 50 13,000,000.00
swimming pool.
Brick wall fence 4,000,000.00 50 2,000,000.00
On contents in the rooms
(beds/beddings and Guest 5,000,000.00 100 5,000,000.00
personal effects
On kitchen/restaurant utensils
equipment and fittings including 2,000,000.00 50 1,000,000.00
fridges/microwave
1,000,00
On stocks and stores 50 1,000,000.00
0.00
On generator 400,000.00 50 200,000.00
On Claims preparation costs 1,000,000.00 100 1,000,000.00
On stocks debris removal costs 250,000.00 100 250,000.00
Deterioration of stocks 250,000.00 100 250,000.00
On deletion of Electrical Clause (5,000,000.00) (5,000,000.00)
TOTAL 39,900,000.00 23,700,000.00

BURGLARY INSURANCE
On contents in rooms including
5,000,000.00 25 1,250,000.00
beds/beddings
Guest Personal Effects 5,000,000.00 100 5,000,000.00
Kitchen/restaurant utensils
equipment & fittings including 2,000,000.00 25 500,000.00
fridge/ microwave
Stocks and stores 1,000,000.00 50 500,000.00
Generator 400,000.00 100 400,000.00

PUBLIC/PRODUCT LIABILITY
On General Liability 10,000,000.00 100 10,000,000.00
On Product Liability 10,000,000.00 100 10,000,000.00
On Wrongful Arrest 1,000,000.00 100 1,000,000.00
Estimated Annual Turnover 20,000,000.00 20,000,000.00

ALL RISKS INSURANCE

On Samsung Plasma TV 5,000,000.00 5,000,000.00

FIDELITY GUARANTEE LIMIT LIMIT

All employees 5,000,000.00 5,000,000.00

WORKERS COMPENSATION ESTIMATED

ANNUAL EARNINGS

On guest house keeper 600,000.00

On Guards 720,000.00
Manager 2,400,000.00

COMMUNICATION
ALL UNDER ONE ROOF WITH FREE INTERNAL COMMUNICATION? YES  NO
RISK SEPARATED BY FIRE BREAK WALL AND/OR DETACHED BUILDINGS? YES NO 

RECENT LOSSES
MONTH/YEAR LOSS AMOUNT LOSS DESCRIPTION
(Insert Currency)
NONE None was noted on the day of the survey

LOCALITY
 INDUSTRIAL COMMERCIAL/RETAIL RESIDENTIAL  ISOLATED/RURAL

NEARER THAN 1km FROM A RIVER/LAKE/DAM/SEA? YES  NO

PREMISES OCCUPIED BY
COMMENTS
INSURED ONLY PROF. KHUMBO KALUA T/AS LAKEVIEW GUESTHOUSE
INSURED & OTHERS
COMMUNICATING WITH OTHERS NO
SHARED SPACE OCCUPANCY NONE

CONSTRUCTION/MAINTENANCE
AGE OF BUILDING(S):

BUILDING STANDARD  NON-STANDARD THATCH 

WALLS/CLADDING BRICK  IBR/CORR. CONCRETE  WOOD

TRUSSES WOOD STEEL R/F CONCRETE OTHER
COLUMNS WOOD STEEL R/F CONCRETE OTHER
ROOF TILE CONCRETE IBR/CORR.  THATCH 

The building is built with standard bricks, plastered both inside and outside

IF THATCH-ROOFED, IS A LIGHTNING CONDUCTOR IN PLACE? YES NO 

IS THE CONDUCTOR EARTHED? YES NO

NO. OF STOREYS ABOVE GROUND: 1 BASEMENT LEVELS:

GENERAL BUILDING CONDITION: GOOD  FAIR POOR

HOUSEKEEPING/STORAGE

HOUSEKEEPING: GOOD  FAIR POOR

IS STOCK STORED DIRECTLY ON THE GROUND? YES NO 

SHELVING/RACKING CONSTRUCTION: STEEL WOOD 

STACK HEIGHT: UP TO 3m  ABOVE 3m

ADDITIONAL COMMENTS: Only front room is thatched

See figure below:

 FIRE RISK PROTECTION/PREVENTION SYSTEMS
NEAREST FIRE BRIGADE: Ginnery corner DISTANCE TO FIRE BRIGADE: About 6km

YES NO CONDITION LAST SERVICED

PORTABLE FIRE EXTINGUISHERS  NONE DD/MM/YYYY
HOSE REELS  NONE DD/MM/YYYY
HYDRANTS  NONE DD/MM/YYYY
FIRE ALARM  DD/MM/YYYY
HEAT/SMOKE DETECTORS  DD/MM/YYYY
GAS SUPPRESSION SYSTEM  DD/MM/YYYY
SPRINKLER SYSTEM  DD/MM/YYYY

PROCESSES & FIRE HAZARDS

BRIEF DESCRIPTION OF PROCESSES:

ARE ANY FLAMMABLES KEPT ON SITE? YES NO 

COMMENTS: None was noted during the time of survey.

SECURITY

OPENING CLOSING
MONDAY-SUNDAY 24HR GUARDING SERVICE
PERIMETER SECURITY
BRICK WALL  CONCRETE PALISADE FENCE STEEL PALISADE FENCE
CHAIN-LINK FENCE STREET LIGHTING FLOOD LIGHTS 
BURGLAR BARS (ALL WINDOWS)  SECURITY GATES (ALL DOORS)  ACCESS CONTROL

BURGLAR ALARM
BURGLAR ALARM? YES NO 
IS THERE A MAINTENANCE CONTRACT IN PLACE? YES NO 
SECURITY GUARDS
SECURITY GUARDS? YES  NO
GUARD SHIFTS: DAY  NIGHT 
NUMBER OF GUARDS PER SHIFT DAY 1 2
SECURITY COMPANY: LOCAL GUARDS
YES NO COMMENTS
THEY ARE NOT ARMED BUT THEY USE PANGA KNIFE
ARE THE GUARDS ARMED? 
WHILSE
ELECTRIC FENCING
CONNECTED TO THE ALARM? YES NO 
FULL HEIGHT TOP ONLY

CCTV
OFFSITE MONITORING? YES NO 

GENERAL OPINION OF RISK

GENERAL OPINION:  FAIR POOR
GOOD
FURTHER COMMENT NO

YES
RISK REDUCTION REQUIREMENTS YES NO 

SECURITY RISK
GENERAL OPINION:  FAIR POOR
GOOD
PHYSICAL PROTECTIONS  FAIR POOR
GOOD
HIGH VALUE GOODS YES  NO
EASILY PORTABLE YES  NO
READILY DISPOSABLE YES  NO
GENERAL RISK INFORMATION
FOREWORD

This report is based upon the prevailing conditions and information provided to
the survey team at the time of inspection. It consists of an appraisal of major
aspects of PRO. KHUMBO KALUA T/AS LAKEVIEW GUESTHOUSE including
management systems, identification of exposures and deficiencies, supported by
recommendations to diminish loss probability and severity.

It doesn’t imply that no other risks and hazardous exposures exist.

INTRODUCTION

Lakeview Guesthouse

OWNERSHIP/OCCUPANCY

Currently the house is inhabitable state. However, there are some construction
materials in deferent rooms as follows:

BEDROOM ONE
- 300 boxes of floor tiles
- 250 (20kg) bags of tile adhesive

BEDROOM TWO
- About 50 bags of gyprol for ceiling
- 7 flush doors and wooden door frames

BATHROOM
- 14 tins of 20L paint
- Geyser

BEDROOM THREE
- 8 Sets of toilet materials
- 13 doors and door frames
- 4m folding door

BEDROOM FOUR
- About 50 bags of Njati power plus Cement

BEDROOM FIVE (MAIN BEDROOM)

- Shower glass

SITE LAYOUT AND BUILDING CONSTRUCTION

 The building is constructed on a hilly side of Mpingwe mountain. It has a
basement which will be used as a garage as shown in the photo above.

PLANNED EXTENSIONS

None advised during the time of survey.

UTILITY SUPPLIES

The electricity will be supplied by ESCOM and wiring is already done. Water is
supplied by Blantyre Water Board.

STORAGE PRACTICES

Free standing storage practices noted. The storage heights were found to be
acceptable.

HOUSEKEEPING AND WASTE MANAGEMENT

Housekeeping is very good.

GENERAL COMMENTS FOR FIRE HAZARD

The fire load is low as no hot work is being done on the premises.

GENERAL COMMENT FOR SECURITY

There are two local security guards and has never been any loss so far.

EXTERNAL/SURROUNDING EXPOSURE

The structure is within residential area, no nearby river, no open fields.

POSTIVE FEATURES

The building has a brick wall fence in the three sides and the client is planning to
finish the other part by December. Also, to note is two local security guards who
have been at the premises since 2013.

OPINION OF RISK
 Based on the security, location, and loss history of the risk I have the view that
risk is good.

RISK REDUCTION REQUIREMENTS

NO ALTERNATIVES TO THE FOLLOWING RISK REDUCTION

REQUIREMENTS ARE CONSIDERED UNLESS SPECIFICALLY MENTIONED
AND THE ALTERNATIVE PROVIDED.

PHOTOGRAPHS
Figure 5: FRONT VIEW

Figure 6: FRONT ELIVATION

Figure 7: 300 BOXES OF TILES

Figure 8: TILE ADHESIVE

Figure 9: Wood terrace

Figure 10: Gyprol Ceiling adhesive

Figure 11: Paints and geyser

Figure 12: Toilet sets and door frames

Figure 13: 4m sliding door

Figure 14: visible cracks in one of the fitted glass