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SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler DRAFT PAMIC November 12, 2015 © 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

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Page 1: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

SOLAR TECHNOLOGY & FIREFIGHTING

Phil DenbowDirector of Risk Management Services

Hartford Steam Boiler

DRAFT

PAMIC November 12, 2015

© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Page 2: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Solar Technology Intro

History

Types

Market

System Components and Configuration

PV Exposures (Property and Equipment Breakdown Risk)

Firefighting Aspects and Code Changes

Agenda

2© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Page 3: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Solar TechnologyIntroduction

Using sunlight (solar irradiance) to complete

work

Two main types of solar:

Concentrated Solar Power (CSP) Heating a fluid

Photovoltaic Conversion of solar energy into electricity

3© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.Photo Courtesy of DOE/NREL

Page 4: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Solar TechnologyConcentrated Solar Thermal Power (CST / CSP)

Rooftop Solar ThermalHeat house or hot water

Parabolic Trough

Systems

Solar Power Towers More efficient vs. trough

systems Better energy storage

capability

4© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.Photo Courtesy of DOE/NREL

Page 5: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Solar TechnologyConcentrated Solar Thermal Power (CST / CSP)

100MW+ establishments Steam boilers or salt receivers set

atop 400’+ tower 100,000+ mirrors tracking and

reflecting sun

Photovoltaic ConcentratorCourtesy of DOE/NREL 5© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Page 6: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Solar TechnologyPhotovoltaic (PV)

Photovoltaic (PV) cells are

devices that convert

sunlight into direct current

(DC) electricity.

6© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Photo Courtesy of DOE/NREL

Page 7: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Solar TechnologyHistory

History of Solar

Greeks in 3rd century B.C.

Mid 1800s idea for solar powered steam engines

1957 first PV solar cell at Bell labs

NASA helps develop solar technology for use in

spacecraft and satellites

7© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Photo Courtesy of DOE/NREL

Page 8: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Solar Technology Residential

Residential

Rooftop or yard

Behind the meter &

net-metered

Typically leased and

signed with a PPA

< 10 kW

8© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Photo Courtesy of DOE/NREL

Page 9: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Solar Technology Commercial

Commercial

Fixed, flush-mounted

panels

Racked panels

50 – 500 kW

Area – ½ acre

9© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Photos Courtesy of Baltimore Sun

Page 10: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Solar Technology Residential, Commercial & Utility Scale

10© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Photo: Artist rendering of a SunPower Corp. solar power canopy similar to the one planned for Munich Reinsurance America, Inc.’s Princeton area headquarters.

MunichRe, Princeton

Page 11: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Non-Utility Installations

GooglePlex – Mountain View, CA

• 1.6 MWp

• 197,000 ft² of solar paneling

• 30% of Google’s peak demand

• 7.5 year payback

© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.11

Page 12: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Solar Technology Utility Scale

12© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Commercial

Fixed, flush-mounted

panels

Peek power – 421 kW

Area – 32,000 sq. ft.

Tracking – None

Utility

Multi-MW units: 1 MW

to dozens of MW

Potentially 100 MWs

Spread over acres

Utility owned or

developer owned

Tax equity purposes

PPA signed with Utility

for 10, 15 or 20 years

Photo Courtesy of DOE/NREL

Page 13: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Utility Type Installations

Las Vegas Valley Water DistrictRonzone Reservoir Denver International

Airport

Part of a 3.1 MW LVWD Project

Completed Spring 2006

Peak Capacity: 821 kWp

Area: 5 acres

Panels: 4,005 Sharp (200W)

Inverters: 2-225 kW Xantrex

Completed: 2008

Peak Capacity: 3.6 MWp

2011 expansion increased solarproduction to 8.0 MWp

© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.13

Page 14: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Solar Technology Other Stand-Alone Installations

14© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Portable trailer PV generator Farm water pump PV system

Photos Courtesy of DOE/NREL

08/19/2014

Page 15: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Building Integrated PV (BIPV)

PV systems are being integrated into building components and materials

PV integrated into building awnings, windows, and rooftop shingles

15© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Shingles

Awning

Windows

Photos Courtesy of DOE/NREL

Page 16: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

PV Market What’s Driving the Growth?

Independence from volatile fossil fuel prices

Rising energy demand

Improved power generation technology

29 states and Washington DC have renewable portfolio

standards (RPS), which mandate the fraction of energy

supplied from renewable sources

Production Tax Credit (PTC)

Investment Tax Credits (ITC) of 30%

Social and corporate responsibility and pressure from

investors

16© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Page 17: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

NEXT: PV SYSTEM COMPONENTS

© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Page 18: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

PV System ComponentsConfiguration

Stand-Alone PV System

18© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Grid-Connected PV System

DC Interfaceand Regulation

Battery Bank

Load (DC)

PV Module PV Module

PowerConditioner

Load

Meter

Source: http://www.1.eere.energy.gov

Page 19: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

PV Configuration Definitions

PV Cells are configured into

modules

Modules are configured into

factory sealed units called

panels

Panels are connected in

series into strings

Strings are connected in

parallel to form arrays

A failed panel must be replaced with a panel having similar electrical characteristics

© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

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Page 20: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

PV System Components

Panels

Inverters

Racking/Mounting

Tracking

Transformer

GSU

20© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Photo Courtesy of DOE/NREL

Page 21: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

PV System ComponentsModules / Panels

Modules / Panels used

interchangeably

Cells built on a silicon-

wafer substrate

Generally ~350

microns thick

Proven technology

21© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Selection of Crystalline Silicon Modules for residential and commercial buildings

Photo Courtesy of DOE/NREL

Page 22: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

PV System ComponentsInverter (PCU)

22© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Large (Central) Inverter Microinverter

Used to convert DC to AC

Should be at least 90% efficient

150 kW, 500 kW, 1 MW

100w, 300w, 1 kW

Moving towards micro inverters per panel/module

Photos Courtesy of DOE/NREL

Page 23: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Solar Power: Photovoltaic Key System Components

String Inverter

Used to convert DC to AC

Connects ~100 PV panels

10kW – 30kW

Inverters

© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved. 23

Photo Courtesy of DOE/NREL

Page 24: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Mounting SystemsFixed

Fixed Position Flat Panel Ballasted Array

Fixed Position Cost effective but

inefficient

The racks & panels are set in one position facing southward

Rack System

Ballasted Racks

Penetrating Racks

Photo Courtesy of DOE/NREL © 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

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Page 25: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

PV System ComponentsTracking

Multi Axis

East to West

Horizon

25© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Single Axis Solar Tracker Dual-Axis Solar Tracker

Single Axis

East to West

Photos Courtesy of DOE/NREL

Page 26: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

PV System ComponentsTransformer

Transformer

Located throughout

the site

Divides out arrays

~1.5 MVA for 2 MW

site

Typically 600 V to

13.2kV or 35 kV

26© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Photo Courtesy of DOE/NREL

Page 27: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

PV EXPOSURESEQUIPMENT BREAKDOWN/PROPERTY

FIREFIGHTING IMPLICATIONS

© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Page 28: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

PV ExposuresEquipment Breakdown Risks

PV Module

Inverter

Tracking Systems

Electrical System

Transformer

Substation

28© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Page 29: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

PV ExposuresProperty Risk

Wind – Panels can act like

sails

Tornado –flying objects

Snow Loading – Typical

design for snow loads up to

5400Pa (Pascal) or about 5.5

ft of snow

Hail – typical design is to

withstand 1 inch hailstone at

51MPH (car window)

Flooding – Depth of flooding

determines damage

Earthquake

Lightning – protection should

be integrated

29© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Page 30: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

PV ExposuresProperty Risk – Theft / Security

Normally closed and locked gates Fencing preferably with clear space to slow

or stop outside wildfire spread to the PV

system.

30© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Page 31: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

PV ExposuresProperty Risk

Roof top - Wood roofs or built-up combustible roof coverings are an exposure.

Ground Mounted Systems – Vegetation can be an exposure if not kept controlled

31© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Photo Courtesy of DOE/NREL

Page 32: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

PV ExposuresProperty Risk - Fire

Rooftop fires

Fire departments hesitant to access roof

Possible electrical hazards

32© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Page 33: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

PV Rooftop Fires

April 2010 Greenbell, MD Residential PV System – 48Vdc grid-tied system – possible rodent damage and debris under array

April 2010 San Diego, CA Residential PV system – inverter fire on side of residence – lack of DC disconnect delayed extinguishment of fire

May 2010 Fresno, CA Combiner box fire on parking lot trellis system

April 2011 Yorba Linda, CO BIPV fire on new residential development – Fire Department vents roof and severs conductors

April 2011 Mt Holly, NC US Gypsum rooftop PV system – undetected ground fault fire – Fire damage to several combiner boxes – resulted in Duke Energy taking 10MW offline until all systems could be evaluated

Dec 2011 Redlands, CA 1.2MW system on 750,000 sf of Tire Warehouse – fire isolated to 4 modules, combiner box, and cable tray. Cause still under investigation.

Jan 2012 Waltham, MA Rooftop PV system on elementary school – fire in combiner box – cause still under investigation

Apr 2012 Trenton, NJ Rooftop PV system on recycling facility – wiring error caused fire during start-up

Oct 2013 Delanco, NJ 400,000 sf Warehouse fire with 1.4MW PV system on roof – keeps fire fighters off roof – total loss – cause under investigation.

© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

Page 34: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Fire Chief – Delanco Fire DeptRon Holt

“ With a normal roof, we would be able to get on there, trench it, cut it off and stop it at a certain point. With the power sitting on top of that roof, that building is not worth one of my guys’ lives.”

Dietz & Watson warehouse in Delanco, NJ 09/03/2013 Photo by Tony Kurdzuk / The Star-Ledger

© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

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Page 35: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

What Are the Hazards?

1. Shock hazard due to presence of water and PV power during fire suppression

activities

2. Shock hazard due to direct contact with energized components during

firefighting operations

3. Lack of emergency disconnects and disruption system design techniques

4. Severing of live conductors with rotary saw

5. Assessment of PV power during low ambient light, artificial light, and light

from the fire

6. Assessment of potential shock hazard from damaged PV modules and

systems

© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.35

Page 36: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Additional Concerns for Emergency Responders

Shielding effect – blocked access to areas of the roof due to location of rooftop

panels,

Slips and trips – over equipment, conductors, or conduits while trying to move

around the panels,

Structural Collapse – due to extra weight of responders and their equipment on

the roof in addition to the incremental weight of the PV system,

Chimney effect – channeling of air due to restrictive air flow around panels, can

cause flame spread and intensification,

Battery hazards – exposure to electrical shock or battery chemicals or chemical

combustion where PV battery systems are used.

© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.36

Page 37: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Firefighting Concerns

Firefighter Safety

• Roof Access and Ventilation

• Method to secure power.

• Trip Hazards

© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved. 37

Page 38: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

2012 International Fire Code

605.11 Solar photovoltaic power systems. Solar photovoltaic power systems shall be installed

in accordance with Sections 605.11 through 605.11.4 of the International Building Code and

NFPA 70 (NFPA 70 – Installation of electrical conductors & equipment for Res, Comm, Ind occupancies)

. This includes:

Marking of PV system

Identification of location of DC conductors

Access and pathways

Smoke ventilation

Residential rooftop PV system setback requirements: 3ft setback at each gable, 3ft setback from

ridge, 3ft setback at hips and valleys

Commercial Flat Roof Access Pathways

6ft or 4ft clearance perimeter at parapets

8ft pathways

4ft clearance around skylights and roof access hatches

© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

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Page 39: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

NEC Code Revisions for 2014

Ground fault detection and interruption

Detect DC ground fault in PV array & isolate it

PV Source and Output

Change in PV system voltage threshold 600V 1000V

Arc-fault circuit protection

PV systems quick trip interrupt for arcing faults on DC

Rapid shutdown of PV systems on buildings

Limit voltage to 30V (240VA) within 10 seconds of initiation of rapid shutdown

Ground fault protection in ungrounded PV systems

Detection requirements for DC conductors & components

Systems grounding

New requirements for safer grounding of PV systems© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

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Page 40: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Unsatisfactory PV Systems

No access around rooftop or too tight pathways between arrays

Panels mounted right up against skylights, vents, or standpipes

Arrays installed right to the edge of the rooftop

Ballasted systems installed without review of structural engineers in advance

Exposed live electrical conductors

Installer of system is not NABCEP certified

DC conductors unmarked

Systems with no means of quick disconnect and/or shutoff switches for DC power

Ungrounded or improperly grounded systems

NABCEP North American Board of Certified Energy Practitioners

© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.

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Page 41: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

Good PV Systems

DC conductors and equipment marked,

System has a means of quick disconnect or shutoff switches for DC power,

Proper spacing and access provided around PV arrays,

Tier 1 component manufactures used (panels/inverters),

System properly grounded,

System installed by experienced and NABCEP certified contractor,

Ground fault detection and clearance on DC side,

OEM equipment replacement spares kept on site,

Walkthrough provided to local fire department with review of components,

disconnects, hazards and means of access.

Page 42: SOLAR TECHNOLOGY & FIREFIGHTING Phil Denbow Director of Risk Management Services Hartford Steam Boiler PAMIC November 12, 2015 © 2015 The Hartford Steam

THANKS FOR YOUR ATTENTIONANY QUESTIONS?

© 2015 THE HARTFORD STEAM BOILER INSPECTION AND INSURANCE COMPANY. ALL RIGHTS RESERVED. THIS

PRESENTATION IS FOR INFORMATIONAL PURPOSES ONLY. HSB MAKES NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY OR COMPLETENESS OF THE CONTENT OF THIS PRESENTATION. UNDER NO CIRCUMSTANCES SHALL HSB OR ANY PARTY INVOLVED IN CREATING OR DELIVERING THIS PRESENTATION BE LIABLE TO YOU FOR ANY LOSS OR DAMAGE THAT RESULTS FROM THE USE OF THE INFORMATION OR IMAGES CONTAINED IN THIS PRESENTATION. EXCEPT AS OTHERWISE EXPRESSLY PERMITTED BY HSB IN WRITING, NO PORTION OF THIS PRESENTATION MAY BE REPRODUCED OR DISTRIBUTED IN ANY WAY.

© 2015 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.