FCA authorised · FRN 7249520117 325 0027Quote & buy →
Apex Insurance Brokers
Speak to a brokerGet a quote →

Five Whys

~2 min read

Category: Risk identification & assessment · Reviewed by Apex Insurance Brokers · Last reviewed

The Five Whys is a simple iterative questioning technique used in root cause analysis. It was developed by Sakichi Toyoda and adopted as a core problem-solving tool within the Toyota Production System.

Method

Starting with a problem statement, the analyst asks “why?” and uses the answer to ask the next “why?”. After approximately five iterations the question typically reaches a systemic, actionable root cause. The number five is a heuristic — sometimes three is enough, sometimes seven.

Worked example — fleet motor claim

  1. Why was the lorry damaged? Because the driver reversed into a bollard.
  2. Why? Because they did not see it in the mirror blind spot.
  3. Why? Because the reverse camera was broken.
  4. Why? Because pre-shift checks were not completed.
  5. Why? Because there is no enforced check-list and supervisors are not auditing compliance.

The action plan targets the systemic gap (5), not the driver (1).

Limitations

References

Cross-references


Maintained by Apex Insurance Brokers. FCA FRN 724952. Companies House 07014570.

Talk to a specialist broker

Apex Insurance Brokers serves UK professional services firms and commercial businesses. Call 0117 325 0027, email info@apexinsurancebrokers.co.uk, or request a quotation.

Get a quote
Related reading: Do you need PI insurance? · How much does PI insurance cost? · PI insurance for consultants: the full guide
Get a quote →
Our service promise. We acknowledge every quote request the same working day. For straightforward risks, indicative terms typically follow within five working days. Complex risks — higher-risk buildings, cladding, mid-term proposals requiring fresh underwriting — may take longer; we’ll send you a progress note by the end of the fifth working day in those cases.
Read our reviews on Trustpilot|Listed on the ARB PI broker list|FCA FRN 724952

Offices: QCS, 53 Queen Charlotte Street, Bristol BS1 4HQ · Unit 24, Basepoint Centre, Jubilee Close, Weymouth DT4 7BS