Robzrisk (Under development) Property Fire Risk Assessment Leon input

• Audit Title

• Document No.

• Client / Site

• Conducted on

  Date

• Prepared by

• Location
  Address

• Personnel

Company details

• What name /entity does the Insured operate as.

• Responsible Persons seen / Interviewed

Cover Details

• Perils covered

  Select Property - Fire Property - Business Interruption Property - Flood Liabiility - General Liability - Products Liability - Workmanship Machinery Damage Commercial Motor Fleet Commercial Motor Traders Fine Art & Specie

  • Property - Fire
  • Property - Business Interruption
  • Property - Flood
  • Liabiility - General
  • Liability - Products
  • Liability - Workmanship
  • Machinery Damage
  • Commercial Motor Fleet
  • Commercial Motor Traders
  • Fine Art & Specie

• Sections and Values indicated on Service Request

• Policy Number

• Broker / Brokerage:

• Which Region writes this policy?

  Select Gauteng Northern /Mpumalanga Kwa Zulu Natal Free State Eastern Cape Global Corporate Other

  • Gauteng
  • Northern /Mpumalanga
  • Kwa Zulu Natal
  • Free State
  • Eastern Cape
  • Global Corporate
  • Other

Topographical Analysis

• Is the site located within 2 Kilometres of any of the following? Select all that apply.

  Select Informal Settlement Air Traffic approach path Large body of confined or open water Dolomite geological belt Under-mined area Known tornado path Known Seismic activity area Tropical Storm area High GFD lightning area Moderate GFD lightning area

  • Informal Settlement
  • Air Traffic approach path
  • Large body of confined or open water
  • Dolomite geological belt
  • Under-mined area
  • Known tornado path
  • Known Seismic activity area
  • Tropical Storm area
  • High GFD lightning area
  • Moderate GFD lightning area

• Is the site located in a Declared High Hazard Area

  Yes

  No

  N/A

• Which Fire Service classification does the risk fall under?

  Full time professional fire service

  Part time professional Fire Service

  Full time Volunteer Fire Service

  Part time Volunteer Fire Service

  No Fire Service

• How far from site in terms of response time, is the nearest Fire Station?

  within 7 minutes

  7 - 15 minutes

  15 - 20 minutes

  more than 20 minutes

• Narrative / Remarks:

Building construction features?

• Number of Floors (above grade level)

  1 - 5

  6 - 10

  above 10

• Is there a basement?

  Yes

  No

  N/A

• Brief Construction details.

• Fire Divisions

  Full fire area compartmentation present throughout the building

  Partial fire area compartmentation of risk areas

  No fire area compartmentation throughout the risk

  Not applicable

• Total Floor area of largest compartment

  Over 2500 metres squared

  1000 - 2500 metres squared

  below 1000 metres squared

  not applicable

• Floor Composition Details

  Timber

  Masonry / Concrete

  Carpeted

  Not applicable

• Roof Condition

  Poor

  Fair

  Good

  Not applicable

• Risk Improvement requirement:
  The condition of a roof will often play a major role in the quality of risk and mitigation of loss, particularly against elements of nature such as precipitation and high wind. In order to retain a patent building envelope system, a roof is to be in a good state of repair.
  Observations to the roof have triggered indications that roof repair and maintenance is required.

RIA Building

• Elaboration:

• Briefly outline the principal site exposures.

• Exposure Controls

  Poor

  Fair

  Good

  Not applicable

• Risk Improvement Action:

• Briefly outline the relevant and predominant occupancy activities on site?.

• Occupancy Hazard Grade

  Select Low Hazard ( A / B ) Light Hazard (C / D ) Medium Hazard ( E ) High Hazard ( F /G ) Extra High Hazard ( H / J ) Declined ( Z )

  • Low Hazard ( A / B )
  • Light Hazard (C / D )
  • Medium Hazard ( E )
  • High Hazard ( F /G )
  • Extra High Hazard ( H / J )
  • Declined ( Z )

• Estimated Percentage of Materials of Non -Combustible / Non-Flammable Construction.

• Narrative / Remarks:

Management Systems

• Electrical testing with certificates?

  Fully Effective

  Partially Effective

  Ineffective

  Not applicable

• Risk Improvement Requirement:
  Energised systems have been identified as one of the leading causes of fire and injury. A system that is not in a full state of readiness presents undue risk.
  An electrical inspection by a qualified electrician with Wiremans certification is to be conducted and all faults rectified.
  A Certificate of Compliance is to be obtained from the service provider and retained in the Company Safety File.
  A copy of this certificate is required by Insurers.

RIA Electrical testing

• Programme of machinery maintenance?

  Predictive

  Scheduled

  Reactive

  N/A

• Risk Improvement Requirement

RIA Machinery Maintenance

• Housekeeping and waste controls

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Improvement Requirement

RIA Housekeeping

• Smoking Controls

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Improvement Requirement

RIA Smoking Controls

• Contractor Control and Permit to Work Systems embedded in the business?

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Improvement requirement

RIA Control & Permit systems

• Major Hazards installation inspections carried out annually?

  Yes

  No

  N/A

• Hazard Identification and Risk Management plan conducted at least once per year?

  Yes

  No

  N/A

• Occupational Health and Safety legislation requires that regular risk identification and hazard assessments be conducted at all work places. Non-compliance not only exposes persons and assets to undue risk, but could also lead to offenders being prosecuted by the authorities.

Advice

• Safety Audits and meetings conducted, with minutes filed, on a regular and scheduled basis?

  Yes

  No

  N/A

• Occupational Health and Safety legislation requires that regular minuted safety meetings and audits be conducted at all work places. Non-compliance not only exposes persons and assets to undue risk, but could also lead to offenders being prosecuted by the authorities.

Advisory

• Yard Storage Practices

  Poor

  Fair

  Good

  Not applicable

• Risk Improvement Requirement: Poor yard storage practices such as, but not limited to, goods stacked against or within 5 metres of a building, or staked insecurely present vulnerability to undesired acts such as theft, arson and potential spread of fire - all of which could adversely affect the profitability of a company.

RIA Yard Storage

• Narrative / Remarks:

Site operations, staff etc.

• Number of Staff on site at business as Usual periods

• What are the standard operating hours and provide details of any shutdown periods.

• Narrative / Remarks:

Fire detection

• Fire detection system fitted.

  Yes - adequate throughout

  Yes - but inadequate in some areas

  No - Inadequate throughout

  Not applicable

• Risk Improvement Advice:
  Early Fire detection and warning increases the possibility of a fire being brought under control at an early stage. This limits damage and reduces the severity of the fire. To be at optimum efficiency, all vulnerable areas should be covered by fire detection devices connected to an annunciation panel at a monitored alarm facility.

Advisory: Fire Detection

• Risk Improvement Requirement - Fire Detection:
  Early Fire detection and warning increases the possibility of a fire being brought under control at an early stage. This limits damage and reduces the severity of the fire. To be effective, all vulnerable areas are required to be covered by fire detection devices connected to an annunciation panel at a monitored alarm facility.

RIA Fire Detection

• Sprinkler system fitted.

  Yes - adequate throughout

  Yes - but inadequate in some areas

  No - Inadequate throughout

  Not applicable

• Has the system been verified by an Independent Party?

  Yes - fully compliant

  Yes - with improvements required

  No

• Automatic Sprinkler Systems need to be verified by an independent third party on a regular basis.
  This is to ensure that
  (a) all omponents of the system, including pump reliability and water quality and supplies would in all likelihood be capable of controlling a fire outbreak in the area protected by the system.
  (b) the system installed is still relevant to the risk being protected - known as a risk review
  (c) the system is still in a full state of operational readiness
  To assure the owners / occupants of a protected site that these features are in fact correct, third party verification is required, as opposed to original installer verification. A certificate of compliance from the independant third party service provider indicating inspection and test results, as well as a list of deficiencies, if any is to be provided to the owner / occupant. A copy of this certificate needs to be furnished to Insurers.

RIA Automatic Fire Sprinkler Systems

• Are scheduled tests conducted and logged on a regular basis?

  Yes

  No

  N/A

• Risk Improvement Requirement:
  Automatic Sprinkler Systems need to be tested by a responsible person on a regular basis.
  This is to ensure that the system is in a state of operational readiness, with sufficient fuel being available for pumps, a visual inspection to verify that all the relevant valves are open, a test to ensure that the alarm gong works and that pressure switches are operational as well as checking to ensure that sufficient spare heads are on hand if needed.
  As evidence of such tests, a log needs to be completed and retained on site. This will more than likely be required in the event of a claim occurring, as evidence of the system having been properly maintained and may determine the outcome of a claim.

RIA Sprinkler tests

• Are adequate water supplies in terms of quantity and flow available?

  Yes

  No

• Risk Advice:
  Insufficient water supplies to a sprinkler system would most likely lead to the failure of the system in controlling a fire. This would lead to the spread of fire being unconstrained. Where water supplies are questionable it is prudent for auxilliary tanks to be installed, together with diesel powered pumps which would ensure adequate pressure delivery of water to the entire system.

ADvisory

• Has the Insured been made aware of the Sprinkler System Impairment procedure?

  Yes

  No

• Risk Advisory:
  Whenever an element of a sprinkler system is shut down for a period exceeding 8 hours, the Insurer is required to be notified of this event. On reinstatement of the system, it is important to convey this information to the Insurer.

Risk Advisory

• Fire brigade access to the site, taking into consideration tight corners, ledges, road widths and overhang heights?

  All relevant areas accessible

  Most relevant areas accessible

  Some relevant areas accessible

  no accessibility

  Not applicable

• Portable Fire Extinguishing Appliances provision

  Yes - adequate throughout

  Yes - but inadequate in some areas

  No - Inadequate throughout

  Not applicable

• Is there Unobstructed access to all fire equipment?

  Yes

  No

• Risk Improvement Requirement:
  In the event of a fire, it is a natural reaction of persons to be under stress. It is important that rapid, unhindered access to portable fire equipment be provided so that a rapid deployment and activation of the fire extinguishing media can be assured. Delays in such will exacerbate the fire and lead to further damage and potential injury or death. It is also important that equipment be conspicuous. To this end signage should indicate the position of all fire equipment. All equipment must remain clearly visible.

RIA Fire Equipment

• Has all fire equipment been serviced within the past 12 months?

  Yes

  No

• In order to have some measure of certainty around the operational readiness of fire extinguishing equipment, such needs to be serviced on at least an annual basis, or more frequently, depending on OEM requirements. Such servicing is required in terms of legislation as well.
  Servicing of fire equipment may only be undertaken by duly accredited and qualified service providers.

RIA Fire Equipment

• Have members of staff been trained in the correct selection and use of fire equipment?

  Yes

  No

• Risk Advisory:
  The incorrect selection, approach and application of incorrect fire extinguishing media to a fire could result in not only the spread of fire, but also serious injury and even death. It is a legal requirement, as well as a matter of prudence, that persons be trained in the selection and proper use of fire extinguishing equipment. This type of training is generally provided by companies supplying and servicing the fire equipment but may also be offered by other institutions. Certificates of such training should be retained in the company safety file and be renewed on a regular basis, normally every 12 months.
  Larger enterprises, and those holding high hazard are required to have in place organised Fire Teams who would be responsible for marshaling persons to safety, directing the fire brigade to the scene of the fire and where safe to do so, initiating an attack on the fire in an effort to confine or extinguish the fire.

Advisory

• Is there a well documented and posted Fire Plan?

  Yes

  No

• Risk Advice

Advisory

• Narrative / Remarks:

Security

• Intruder Alarm and system.

  Yes, monitored on 24 hr basis

  Yes, siren alarm only

  No

  not applicable

• Risk Improvement Requirement:

RIA Security

• Risk Advice;
  

Advisory

• Door locks and other security measures.

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Improvement Requirement
  

RIA Security

• Cash handling, safe and amounts.

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Improvement Requirement:
  

RIA Security

• Any history of, or predisposing factors to Arson risk?

  Yes

  No

  N/A

• Artificial lighting of areas at risk

  Fully Effective

  Partially Effective

  Ineffective

  Not applicable

• Risk Improvement Requirement

RIA Security

• Yard Storage Practices

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Improvement Requirement

RIA Security

• Management of Incidental Hazards

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Improvement Requirement

RIA Incidental Hazards

• Narrative / Remarks:

Special perils and Malicious Damage.

• Type of peril noted

  Select Combustable materials city or town centre housing estate workforce Third parties on site Attractive Goods.

  • Combustable materials
  • city or town centre
  • housing estate
  • workforce
  • Third parties on site
  • Attractive Goods.

• Flood risks

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Improvement Requirement

RIA Flood Risk

• Windstorm risk.

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Improvement Requirement

RIA Natural Perils

• Narrative / Remarks:

Loss history

• Have there been any losses or claims noted?

  Yes, within last 12 months

  Yes, within last 36 months

  No

• Narrative / Remarks:

Utilities

• Mains Gas or Gas supplies and shut offs

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Improvement Requirement

RIA Utilities

• Mains Electricity Low voltage

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Improvement Requirement

RIA Utilities

• Mains Electricity High Voltage

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Improvement Requirement

RIA Utilities

• Bulk LPG Tank Installations Protections.

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Improvement Requirement

RIA Utilities

• Mains Water.

  Reliable, critical to site

  Unreliable, critical to site

  Reliable but not critical to site

  Unreliable but not critical to site

  not applicable

• Risk Improvement Requirement

RIA Utilities

• Transformer units.

  Reliable, critical to site

  Unreliable, critical to site

  Reliable but not critical to site

  Unreliable but not critical to site

  not applicable

• Risk Improvement Requirement

RIA Utilities

• Narrative / Remarks:

Health and Safety Organisation.

• Is there a formal Health and Safety organisation?

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Advice

Advisory

• Are any Occupational Health arrangements in place.

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Advice

Advisory

• Narrative / Remarks:

Primary Hazards and Exposures.

• Materials and Manual Handling.

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Advice

Advisory

• Cut and Burn Hazards.

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Advice

Advisory

• Slips Trips and Falls.

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Advice

Advisory

• Machinery, Plant and Equipment Safety (Guards - limit switches, lock outs, etc).

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Advice

Advisory

• Maintenance and Process Safety ( heights,isolation, confined spaces)

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Advice

Advisory

• Emergency Planning.

  Fully managed

  Partially managed

  Not managed

  Not Applicable

• Risk Advice

Advisory

• Narrative / Remarks:

Conclusion

• Narrative / Remarks:

• Add media

  Media

• Add media

  Media

• Add media

  Media

• Add media

  Media

• Add drawing

  Drawing

• Predictable Loss Scenario:

• Possible Maximum Loss: This is the highest loss scenario envisaged where all protections and risk mitigation measures have been considered to be effective in marginalizing the loss.

• Estimated Maximum Loss

• Remarks

• Overall Opinion of Risk

  Poor

  Fair

  Good

  Not applicable

• Narrative / Remarks: