1 Regulatory Reform (Fire Safety) Order 2005: An Insurer’s View Mark Newton Property Technical Manager Royal & Sunalliance Insurance

2 Not just the RRO! Insurance policies Integrated Risk Management Planning Automatic Fire Alarms Third Party Certification Regular review

3 Insurance Policies Material Damage & Business Interruption Liability insurance –Public or Third Party –Employer’s

4 Insurance Policies Direct contact with insurers? Policing the RRO? Insurers assume compliance with legal requirements as part of contract of insurance Good management  cheaper insurance

5 Causes of Loss Arson Electrical Hot Work Smoking Process

6 Approved Products and Services Materials Products Services Third Party Certified

7 Design Guide – re-launched Cornerstone of insurers’ strategy: complements life safety focus of Approved Document B Includes reference to fire safety management Supplemented by Risk Control document series Increased attention to early warning systems - detection and signalling

8 Integrated Risk Management Plans reduce the number of fires; reduce loss of life; reduce the number and severity of injuries; reduce the commercial, economic and social impact of incidents; safeguard the environment and heritage; provide communities with value for money.

9 Fire Brigade Cover Major significance to insurers and customers Fewer appliances required now than in the past –more efficient mobilising systems –equipment and training improvements Change in profile of commercial building stock, contents, activities BUT Increase in attendance times

10 Remote Risks Remote risks are those where adequate fire brigade resources (backed by sufficient water supplies at adequate pressures judged in relation to the accessibility and nature of the risk) cannot reasonably be expected to be brought into use within 15 minutes of receipt of a call. Such a risk may incur higher premium rates, and the placing of insurance will be more difficult.

11 Fire Brigade Response NO ALARM, NO FIRE BRIGADE

12 Integrated Risk Management Planning - Automatic Fire Alarm Proposals Response to confirmed calls only; Risk assessed response based on life risk Differential responses to domestic/known high life risk premises and to others, i.e. commercial properties No response following two UwFS in 24 hours One appliance at normal road speed (i.e. not under blue light) if fire is not confirmed

13 Response to AFA NEED FOR PUBLICITY

14 Calling the Fire Brigade ‘Manual’ 999 call must be made Designated staff to be responsible Out of Hours arrangements? Communication to staff

15 Loss Prevention Standards (LPS) Specification Design Installation Maintenance

16 LPS 1014 and BAFE SP 203: Automatic Fire Alarms Life safety or property protection? ISO 9000 accredited company Individual components (detectors, cabling, control panel) Signal transmission system Alarm receiving centre –Accreditation & Procedures Maintenance Ongoing Management

17 Need to review Employees Contractors Customers & Visitors Materials Packaging Process Neighbours

18 Presentation Disclaimer This presentation is the result of the presenter's own work and has been compiled on the basis of information obtained by him as well as his own opinion. It is not intended to be relied on as legal or professional advice, but merely as the presenter's understanding of the issues it covers. R&SA is not responsible for the contents of this presentation.