fire risk management an insurers view andrew miller ... · name of the presentation fire risk...
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FIRE RISK MANAGEMENT AN INSURERS VIEW
ANDREW MILLER, MANAGER RISK CONTROL
ALLIANZ PLC
LOUGHBOROUGH UNIVERSITY
APRIL 14TH 2010
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FIRE RISK MANAGEMENT
AN INSURERS VIEW
Life Safety a priority – but property losses a concern
Total Paid out 2008 Fire Losses - £1.3 billion
Average loss £21,000 – doubled since 2000/1
Number of fires falling – increase in large scale fires
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FIRE RISK MANAGEMENT
AN INSURERS VIEW
Improved risk management advice from insurers
General realisation it is of mutual benefit
Is the Government doing all it can?
Life safety
Property protection
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FIRE RISK MANAGEMENT
AN INSURERS VIEW
Reactive Legislation
- Health & Safety at Work Act
- Fire Safety & Safety of Places of Sports Act
- Corporate Manslaughter Act
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FIRE RISK MANAGEMENT
AN INSURERS VIEW
- Sprinklers - very effective
- Building Regulations - retail s/storey over 2000 sq mtr
(App Doc B)
- non retail – no requirement
- Process protection - Kitchens
- Machinery eg spark erosion
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FIRE RISK MANAGEMENT
AN INSURERS VIEW
Fire Service IRMP’s – Result of Bain Report 2002
- F&RS shift from intervention to prevention
- Risk based approach to fire fighting resources
- Risk assessed based response
- CFOA policy on automatic fire alarms
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FIRE RISK MANAGEMENT
AN INSURERS VIEW
Building Construction
- MMC modern methods of construction
- Fire resistance – less important – cost – insulation properties
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COMPOSITE PANEL FIRES
Sun Valley Poultry, Hereford – 1993 MD & BI loss: £70m
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TIMBER FRAMED CONSTRUCTION
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LARGE WAREHOUSE PROPERTIES
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FIRE RISK MANAGEMENT
AN INSURERS VIEW
Recognise changing market place
Risk Management
- How is the company run
- Arson / electrics 60%+
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MANAGEMENT STANDARDS ?
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POOR ELECTRICS
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FIRE RISK MANAGEMENT
AN INSURERS VIEW
Recognise changing market place
Building Materials
- Approved products - LPS 1501 for Innovative Construction Methods
- Standards- Means of Assessing Performance- LPS 1181
- Recognised Test houses BRE …VDS
- Known performance
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FIRE RISK MANAGEMENT
AN INSURERS VIEW
Building Materials
Compartmentation
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FIRE RISK MANAGEMENT
AN INSURERS VIEW
Building Materials
Fire Stopping
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FIRE RISK MANAGEMENT
AN INSURERS VIEW
Scottsdale Fire Prevention Programme
- Built in protection – sprinklers
- Aggressive code enforcement
- Strong education programmes
- Reduced civilian fire fatalities 50%
- Average fire loss 90% less
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FIRE RISK MANAGEMENT
AN INSURERS VIEW
Insurers try and practice prevention
-Feel more support from Building Regs would help.
-Would make allocation of F&RS Resource Easier
- While always a balance…
- Prevention does save lives and property
-We can walk away as Insurers
…also worth checking what you are told……………
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Son to father:
“Dad, is a Ferrari a red car with a small horse?”
Father:
“That’s right, but why do you ask?”
Son:
“I think there’s one trying to pass us on the right...”
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THANK YOU FOR LISTENING
ANDREW MILLER