Fire Assessments for Insurance

Assessments for property protection for insurance purposes and business interruption are undertaken using appropriate guidance such as the LPC Design Guide for the Fire Protection of Buildings  and relevant insurers guides such FPA design guides and Factory Mutual (FM) guides and data sheets. The fundamental aim of this type of risk assessment is;

  • Protection of property and earnings capacity as cost effectively as practicable;
  • Reduction of costs incurred due to property damage and any business interruption losses due to the consequences of such damage;
  • Reduction of property risks by enabling organised action to minimise the probability and severity of property damage; and
  • Maximising the effectiveness of the Property and Business Interruption Insurance.

To achieve this the following principles are assessed:

  • Use of building materials, which will not make a significant contribution to a fire at any stage of its growth.
  • Design of a building’s structure to have resistance to collapse or excessive deflection in the event of a fire.
  • Construction of a building to minimise the extent of fire and smoke damage in the event of fire.
  • Construction of the building in such a way that fire cannot spread in from an adjoining building or other external fire source.
  • Incorporation of all necessary safeguards against the threat of arson.
  • Installation of appropriate automatic detection and fire alarm and fire suppression systems.
  • Ensuring that fire protection systems are regularly inspected and maintained.
  • Ensuring that there is a comprehensive regime of fire safety management for the premises.
  • Giving regard to the potential damage from firefighting water and plan to minimise any undesired environmental effects.
  • The use and specification of third-party certificated fire protection products.
  • Using competent, specialist installers to fit fire protection products/systems.
  • Ensuring that services and related components are designed/constructed/installed to guard against their becoming accidental sources of ignition.

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