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    Electricity is one of the most important

    tools in our everyday lives, both domestically

    and in the workplace. However, it is also

    one of the most lethal and is statistically,

    (as detailed below), the most likely cause

    of large fires.

    The key to managing electricity supplies

    and electrical equipment is ensuring that

    they are correctly installed, safeguarded

    to the recommended rating and, most

    importantly, maintained on a regular basis.

    There are many different codes and

    legislation used around Europe; they

    mandate rudimentary levels of protection

    for electrical systems and equipment.

    These tend to be focused more on

    installation standards than ongoing

    maintenance and are written as a minimum

    standard and do not take into account

    usage or criticality of systems/equipment.

    How does this affect your company?

    Electrical Maintenance

    Number of Fires in the UK Total Loss (£m) in the UK80

    70

    60

    50

    40

    30

    20

    10

    02004 2005

    50

    45

    40

    35

    30

    25

    20

    15

    10

    5

    02004 2005

    This data is supplied with the permission of the FPA, as published in the FRM Journal.

    Why does this affect your company?

    Whether electrical equipment is being used

    for lighting, running machinery, operatinga portable appliance or charging forklift

    trucks, its protection and maintenance

    must be managed. It is important not towaste valuable resources when carrying

    out periodic inspections and maintenance,so time should be spent evaluating each

    installation, machine or appliance andproducing a schedule that reflects usage,

    importance and legislative requirements.There are also useful tools that can help

    in identifying potential issues or hot spots

    in large systems. This technology usesinfrared scanning of electrical distribution

    centres, panels and connections aroundcritical equipment, even if it is inaccessible.

    Thermographicimaging candisplay cable faults andhot spots(Picture: IrisysInfrared Integrated SystemsLtd)

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    References• Maintaining Portable Electrical

    Equipment in Offices (UK, HSE 1996)• BS 7671: Requirement for Electrical

    Installations:IEE WiringRegulations• The Electrical Equipment (Safety)

    Regulations 1994• FM Data Sheet 5-20 – Electrical

    Testing(including Infrared ThermalImagingSystems)

    •   Portable Appliances – Should be inspected and tested by a competent person atleast every twelve months. Also any domestic electrical appliances brought in from

    an employee’s home, should be inspected and tested before use in the workplace.

    •   Reporting Faults – When a piece of electrical equipment fails or is intermittently faulty,it is essential that it is reported immediately and the item is repaired or disposed of in

    a timely manner.

    •  Maintenance Programmes – A well managed preventative maintenance programmewill improve the overall running and efficiency of machines and help to avoid breakdowns,

    which will ultimately save money. One of the most popular modern methods

    for large scale evaluation could be to initiate an Infrared Thermal Imaging programme.

    •  Risk Assess – Consider loss prevention issues when designing the programmes.

    This could include special focus on critical machinery, (process bottlenecks), or hazardous

    process machinery that could cause a safety issue or a fire if they fail catastrophically.

    •   Certified – Only install certified electrical equipment. Also ensure all circuits are certifiedto the current European standards when they are new or when they are modified.

    •   Poor Housekeeping – Do not accept poor housekeeping around electrical cabinets,motors and machinery. Often when electrical equipment fails it generates heat and

    sometimes sparks, which can easily ignite combustible waste materials and potentially

    cause a much larger fire.

    •   Manufacturers’ Recommended Maintenance Intervals – When compiling themaintenance schedules for electrical equipment it is essential to comply with the

    manufacturers’ recommendations on maintenance intervals.

    •  Evaluate – Evaluate the usage and importance for all electrical equipment when

    considering the periodic maintenance schedules.

    Evaluate

    What should your company do / have?

    PortableAppliances   ReportingFaults

    Manufacturers’Recommendations

      MaintenanceProgrammes

    PoorHousekeeping   Certified   RiskAssess

    www.tokiomarine.eu

    And what could happen toyour company if you don’t takethese steps?

    This document highlights the basic

    requirements needed to producean effective electrical maintenanceprogramme, and emphasisesthe need for companies to carryout a well balanced programmebasedon manufacturers’recommendations, legislativerequirements and your ownstandards.The consequencesof a fire, especially in criticalequipment, could provedisastrous for any business.

    For further information onElectrical Maintenance pleasecontact your local Tokio MarineEurope office or contact theRisk Engineering AdministratorTokio Marine Europe Limited60 Gracechurch StreetLondon EC3V 0HRTelephone +44 (0)20 7398 3133

    Electrical

    Maintenance

    Member of the Association of British InsurersAuthorised by the Prudential Regulation Authority and regulated by theFinancial Conduct Authority and the Prudential Regulation Authority Firm Reference Number 202574Registered Office: 60 Gracechurch Street, London EC3V 0HR Registered Number: 989421 England

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    In all businesses changes occur when

    modifications are made to the facility,

    process, equipment or personnel.

    The most radical changes occur during

    major construction projects, whereas

    changes in process, equipment or personnel

    can be much more subtle. All such changes

    must be managed carefully to ensure they

    do not introduce new hazards that could

    increase the risk of property damage or

    business interruption in the facility.

    Poorly managed changes could result

    in a catastrophic fire or another type

    of loss.

    How does this affect your company?

    Management of Change

    Why does this affect your company?

    Changes large enough to be considered

    capital projects are obvious candidates

    for Management of Change (MOC)

    procedures. The construction of a new plant

    or extension to an existing facility should

    always be subject to MOC procedures.

    An example would be the inadequate space

    separation leading to potential fire exposure

    and increased business interruption loss.

    Changes involving smaller and less obvious

    projects can also cause unexpected losses.

    An example of this could be changing the

    type of adhesive used on a production line

    from a non flammable, (often expensive), to

    a much cheaper type that is solvent based

    and flammable. This change will require

    fume extraction, earth bonded safety

    dispensers, storage in a specially designed

    cupboard, and explosion rated electrical

    equipment within the vicinity of application.

    Suddenly a small change of the adhesive

    introduces a number of additional hazards.

    If these are not managed correctly and riskengineered, they will increase the fire risk

    in the facility significantly.

    Detailed below are the main key features required foran effective Mangement of Change system:

    • Establish appropriate and consistent terminology

    • Keep the procedure simple and easy to understand

    • Define roles and responsibilities

    • Define the scope of the MOC system

    • Integrate MOC with company policies

    • Establish requirements for review and authorisation

    • Issue guidelines for key MOC issues

    • Develop a written description of the MOC system:

    – How to identify likely change situations

    – Establish ‘request for change’ review and approval procedures

    – Design MOC system documentation

    – Define training requirements

    – Develop communication between the MOC team and senior management

    – Provide adequate training for the specific roles and responsibilities in the

    MOC system

    The most important factor is that the system should become part of the company’s

    operating procedures.

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    And what could happen toyour company if you don’t takethese steps?

    In order for this type of programme

    to succeed it is essential thatmanagement demonstrateleadershipand commitment.The MOC process must be providedwith adequate resources. As withmost aspects of loss preventionand control, it is essential seniormanagement understand whatis at stake if things go wrong.

    For further information onManagement of Change pleasecontact your local Tokio Marine

    Europe office or contact theRisk Engineering AdministratorTokio Marine Europe Limited60 Gracechurch StreetLondon EC3V 0HRTelephone +44 (0)20 7398 3133

    What should your company do / have?

    ManagementofChangeProcess

    •   Safer Alternative– Whenever considering changes always look for the solutions thatare inherently safer. It is better to eliminate a hazard than try to reduce the risks through

    physical changes or procedures.

    •   Contact – Advise your local Tokio Marine Europe office of the proposed changes. Theassigned risk engineer will then provide valuable and cost effective loss prevention advice.

    •   ProjectReview– Once a project has commenced, Tokio Marine Europe will formallyreview the drawings and relevant information.

    •  Management – The management should support and lead the MOC procedure.Suitable resources should be provided to support the procedure and adequate time

    incorporated into project plans to allow for the process to be applied.

    •  Monitor – Establish a procedure for the audit of the MOC procedure to measure theperformance and effectiveness. It should be recognised that all changes will not requirethe same level of review. Plant personnel should examine random examples and verify

    that the MOC programme was correctly implemented. If the system has not been

    applied correctly or it has not been effective then suitable actions should be taken to

    rectify the issue.

    •   Integration – Integrate the MOC procedures into existing plant and operating processes.The safety procedures should not be compromised and need to be analysed before

    implementation.

    •   Guidelines – Written guidelines should be produced and implemented for the MOCsystem. These should address roles, responsibilities, scope and activities. The procedures

    should incorporate technology, equipment, facilities, chemicals, health and safety, loss

    prevention, fire protection, temporary changes, acceptance testing, and verification testing.

    •   Request forChange– Establish a procedure for requesting and managing changes.Simple flowcharts with accompanying written procedures will simplify the process and

    help to ensure implementation. The change process should allow for relevant reviews,

    actions and approvals before a change is implemented.

    References• Fire Risk Assessment –

    HM Government 2006

    www.tokiomarine.eu

    RequestforChange   SaferAlternative   Contact

    ProjectReview

    ManagementMonitorIntegratetheMOCSystem

    DevelopGuidelines

    Member of the Association of British InsurersAuthorised by the Prudential Regulation Authority and regulated by theFinancial Conduct Authority and the Prudential Regulation Authority Firm Reference Number 202574Registered Office: 60 Gracechurch Street, London EC3V 0HR Registered Number: 989421 England

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    Disabled firealarmpanel

    Sprinkler control valve sets

    Impairments to Fire Systems

    An impairment is a partial or complete

    isolation of any type of fire protection or

    detection system which is installed within

    your premises. It can also be applicable for

    security systems.

    The essence of this process is to ensure

    that the impairments are only carried out ifabsolutely necessary, and are monitored to

    ensure that the system is reactivated at the

    earliest opportunity. It is essential that all

    impairments of critical fire systems are kept

    to the absolute minimum in terms of scope

    and duration.

    The Tokio Marine Europe Impairment

    System covers all the key elements toconsider in order to carry out an impairment

    safely and quickly. It is strongly

    recommended that you contact Tokio

    Marine Europe if you have any questions

    about an impairment that you need to

    implement. Our risk engineers will be able

    to provide further advice and guidance

    based on their experience to help limit theduration and scope of an impairment.

    How does this affect your company?

    Why does this affect your company?

    While planned impairments may be

    necessary during day to day maintenance

    and projects, it must be understood that

    if part or all of the fire protection system

    is impaired then the facility is at risk.

    The fire protection systems are there

    because occupancy or process hazards have

    been identified and the fire risks associated

    with these need to be minimised. When an

    impairment occurs, whether it be accidental

    or planned, it is necessary to minimise the

    risks. These may include arranging

    temporary protection, reducing the hazards

    and managing the impairment to ensure that

    the impairment is restored in the shortest

    possible time.

    There are three types of impairments that

    occur: the first being a ‘planned impairment’;

    the second being an ‘emergency

    impairment’; and the third and most

    dangerous is the ‘hidden impairment’.Obviously, it is preferable to have a planned

    impairment with time to prepare. However,

    when unforeseen circumstances occur it is

    essential that when a system is isolated

    due to a problem or fault, that it is not left

    and forgotten about.

    •   Planned impairments are implemented

    during maintenance or projects, or if a fire

    system needs to be extended / isolated.

    Whatever the reason for the impairment,

    good planning means that the risks can

    be minimised. In order to minimise the

    duration of planned impairments allrequired materials and parts should be

    on site before isolating the system.

    •   Emergency impairments tend to be

    at a time of routine testing where an

    impairment has been discovered, or a

    fire system needs to be shut down in

    an emergency.

    •   Hidden impairments are ones that

    no one is aware of or that have been

    forgotten. Correct application of the

    Tokio Marine Europe Impairment System

    could help reduce the risk of hidden

    impairments. Such hidden impairments

    do occur, and if a system is isolated it will

    not extinguish a fire or raise the alarm.

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    www.tokiomarine.eu

    And what could happen toyour company if you don’t takethese steps?

    There have been many high profile

    incidents where fire protectionsystems had been isolated andthe building or facilities were lost.In 1988 the Piper Alfa oil and gasplatform in the North Sea had a gasexplosion on a compressor and thefire spread quickly. The platformwas fully protected with a delugesystem, but the fire pumps hadbeen impaired while some divershad been carrying out maintenanceearlier in the day. Two engineers losttheir lives trying to reach the sprinkler

    pump control panel to turn thembackon. Inthe end, over 160 peoplelost their lives in this one incident.

    To obtain copies of the TokioMarine Impairment System pleasecontact your local Tokio MarineEurope office or contact theRisk Engineering AdministratorTokio Marine Europe Limited60 Gracechurch StreetLondon EC3V 0HRTelephone +44 (0)20 7398 3133

    ResponsiblePerson

    What should your company do / have?

    SaferAlternative  TokioMarineEurope

    ImpairmentSystem

    OneImpairment  FireBrigade/Emergency

    ResponseTeam

    ManualFireFightingEquipment

      Training   Notification

    Impairment

    •   Safer Alternative – Consider whether the fire system needs to be shut down to completethe job or could another method be implemented to ensure that the systems remain

    operational.

    •   TokioMarine Europe ImpairmentSystem – Apply the Tokio Marine Europe ImpairmentSystem or an equivalent system and limit the permit validity to one shift only. This should

    apply to employees as well as contractors, and should form part of the risk assessment

    undertaken for the impairment. Hot work, smoking and hazardous operations should not

    be permitted in the affected area during the impairment.

    •   Notification – Inform department heads, alarm monitoring company, emergency responseteam members, fire brigade, employees and insurance companies of the impairment.

    Inform members of the team of any changing situation where the impairment time needs

    to be extended and when the system has been restored.

    •   Training – All people involved with impairment activities should be fully trained andeducated on implementing impairment handling procedures, together with the possible

    hazards associated with them.

    •  Manual Fire FightingEquipment – Fire hoses should be laid out and connected,(if not impaired), and / or additional fire extinguishers should be positioned in the area

    of the impairment. The person undertaking the impairment should be trained in the

    use of this equipment.

    •   One Impairment – As many fire protection / detection systems as possible shouldremain operational during the period of the impairment. Ensure that the work on the

    impaired system is expedited and provide a continuous fire watch in the affected area.

    •   ResponsiblePerson – There should be dedicated site employees with the authority andknowledge to issue an impairment system. Contractors should not be allowed to issueany impairment system, and they should be fully supervised on site. Where possible

    plans should be developed to allow rapid reinstatement of the fire system in the event

    of an incident.

    References• Tokio Marine Europe Impairment System – available in English, French,

    German and Spanish• NFPA 25 – Inspection and Testing of Water Based Protection Systems

    Member of the Association of British InsurersAuthorised by the Prudential Regulation Authority and regulated by theFinancial Conduct Authority and the Prudential Regulation Authority Firm Reference Number 202574Registered Office: 60 Gracechurch Street, London EC3V 0HR Registered Number: 989421 England

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    Hot work is any temporary operation that

    produces open flames, sparks or heat.

    Hot work activities include –

    •   Brazing and soldering

    •   Grinding and cutting using disc grinds

    •   Use of blow lamps / blow torches

    •   Welding or cutting using gas or

    electric equipment

    •   Use of bitumen / tar boilers

    Many serious fires have occurred during

    construction or maintenance activities

    where hot work was carried out on either

    the fabric of the building or machinery

    within the facilities. These fires could

    have been prevented if the sites had

    operated an effective hot work permitsystem and personnel were trained

    on how to deal with the hazards of

    hot work.

    The Tokio Marine Europe Hot Work Permit

    covers all of the key elements of a good

    system. Every facility is different, so it is

    strongly recommended that each site

    develops their own procedure covering any

    specific on site hazards in addition to the

    core attributes of the Tokio Marine Europesystem. If you have a question about any

    hot work procedure you need to carry out

    please contact Tokio Marine Europe.

    How does this affect your company?

    Hot Work

    Number of Serious Hot Work Fires in the UK Total Losses Due to Serious Hot Work Fires (£m) in the UK

    14

    12

    10

    8

    6

    4

    2

    02001 2002 2003 2004 2005

    14

    12

    10

    8

    6

    4

    2

    02001 2002 2003 2004 2005

    Source – Fire Prevention & Fire Engineers Journal – June 2007 Source – Fire Prevention & Fire Engineers Journal – June 2007

    Why does this affect your company?

    One of the major causes of industrial firesis hot work. It is also commonly recognisedthat a large percentage of hot work fires

    are started by external contractors whoare appointed to undertake maintenanceactivities. This percentage is likely toincrease as more and more facilitiessub-contract everyday maintenanceactivities to third party companies. Theemployees of these companies aresometimes not aware of specific on sitehazards such as combustible construction,which could be exacerbated by hot work.

    In the period 2001-2005, the FPA recorded

    forty-two serious hot work fires resulting inan estimated loss of £19 million. Seventeen

    of these fires occurred in roof spaces whilst

    five occurred in workshop areas.Many sites believe it won’t happen to them,

    but unfortunately the law of averagesdictates otherwise. Once people have been

    suitably trained, the application of safe hot

    work practices should become secondnature and integrated.

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    And what could happen toyour company if you don’t takethese steps?

    Tokio Marine Europe suffered a

    major loss in 2002 when a fullysprinkler protected warehouse wasdestroyed by fire due to hot workbeing performedwhilst the sprinklersystem was isolated.

    To obtain copies of the Tokio MarineEurope Hot Work Permit pleasecontact your local Tokio MarineEurope office or contact theRisk Engineering AdministratorTokio Marine Europe Limited60 Gracechurch Street

    London EC3V 0HRTelephone +44 (0)20 7398 3133

    References• Tokio Marine Europe Hot Work

    Permit – available in English, French,German, Spanish and Italian

    • Fire Protection Association,Hot Work Permit Scheme –ISBN 1 902790 19-7

    • Fire Protection Association, Hot WorkRisks DVD – www.thefpa.co.uk

    • NFPA 51B – Standard for FirePrevention DuringWelding, Cutting,and Other Hot Work – www.nfpa.org

    Responsible Person

    What should your company do / have?

    Safer Alternative   Fire Watch

    Training   Removalof Combustibles

    Manual FireFightingEquipment

      FireProtection / Detection   Permit

    •   Safer Alternative– Only use hot work as a last resort. For example, can cold cuttingtechniques be employed such as a reciprocal saw to eliminate torch cutting, can

    mechanical fixings be used instead of welding, can pipe be joined using threaded

    connections as opposed to welding, can the hot work be undertaken outside of the

    facility in the yard area?

    •   FireWatch– This should be continuous during the work and for at least one hour aftercompletion of the work. In addition regular monitoring of the area should take place for

    at least a further three hours. The majority of hot work fires smoulder for a number of

    hours before escalating into a more serious incident.

    •   Removal of Combustibles – All combustibles within a 10m radius of the hot workarea should be removed or covered with fire resistive tarpaulins. In addition, all floor

    penetrations should be sealed with fire resistive material. If hot work is being undertakenat a high level then tarpaulins should be suspended beneath the area to contain any sparks.

    •   Permit – Apply the Tokio Marine Europe Hot Work Permit or an equivalent permit andlimit duration of permit validity to one shift. This should apply to employees as well as

    contractors and should form part of the risk assessment undertaken for the work.

    •   FireProtection / Detection – All fire protection / detection systems should remainoperational during periods of hot work unless there is a danger that the system could be

    accidentally actuated. If a system has to be isolated, then the unprotected area should be

    as small as possible and the system should be reinstated as soon as possible after the hot

    work is completed. The Tokio Marine Europe Fire Protection Impairment Form should be

    used when isolating fire protection systems.

    •  Manual FireFighting Equipment– Fire hoses should be laid out and connected and / or

    fire extinguishers should be positioned in the area of hot work. The person undertaking thefire watch should also be trained in the use of this equipment.

    •   Training – All people involved with hot work activities should be fully trained on thepossible hazards.

    •   ResponsiblePerson– There should be dedicated site employees with the authority andknowledge to issue hot work permits. Contractors should not be allowed to issue hot work

    permits and they should be fully supervised on site.

    www.tokiomarine.eu

    HotWork

    Member of the Association of British InsurersAuthorised by the Prudential Regulation Authority and regulated by theFinancial Conduct Authority and the Prudential Regulation Authority Firm Reference Number 202574Registered Office: 60 Gracechurch Street, London EC3V 0HR Registered Number: 989421 England

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    Flammable liquids are used in many

    different operations within the workplace

    and create a special fire and explosion

    hazard. The liquid itself and the vapours

    generated can potentially cause significant

    property damage, injury and death if

    adequate safety measures are notimplemented.

    A flammable liquid is any liquid that has

    a closed cup flash point below 55°C and

    can be further sub-categorised as

    ‘extremely flammable’, ‘highly flammable’

    or ‘flammable’ depending on the flash point.

    Flammable liquids such as petrol, solvents

    and heating fuels not only provide a ready

    ignition source for a fire to start, but also

    contribute to the growth and spread of afire once it has started. Consequently,

    flammable liquids require specific control

    measures in relation to their safe use,

    handling, storage and transportation.

    Tokio Marine Europe has specialist

    knowledge in the field of loss prevention

    engineering and we would strongly

    recommend that you contact us if you

    have any questions about the safe useand handling of flammable liquids in

    your workplace.

    How does this affect your company?

    Flammable Liquids Handling

    Legislation&Guidance

    Health & Safety at Work Act 1974Management of Health & Safety at Work Regulations 1992Highly Flammable Liquids & Liquefied Petroleum Gases Regulations1972Control of Substances Hazardous to Health (COSHH) revised2002Chemical (HazardInformation & Packaging for Supply)Regulations 1994Dangerous Substances& Explosive Atmospheres Regulations 2002 (DSEAR)

    •  Extremely flammable – Any liquid which

    has a flash point below 0°C.

    •   Highly flammable – Any liquid which

    has a flash point between 0°C and 21°C.

    •   Flammable – Any liquid which has a flash

    point between 21°C and 55°C.

    •  Flash point – The lowest temperature of

    a liquid at which point ignitable vapours

    are given off in sufficient concentration to

    form a combustible mixture with air near

    the surface of the liquid.

    This is a direct measure of a liquid’s volatility.

    The lower the flash point, the greater the

    volatility and the greater the risk of fire.

    N.B. Flammable liquids with a flash point

    above 55°C that are handled at temperatures

    above their flashpoints may also present a

    fire and explosion hazard.

    Why does this affect your company?

    Many serious fires have occurred in

    industrial premises where flammable liquids

    have either been used in the production

    processes or stored on site. These fires

    could have been prevented if the companyhad effective procedures in place for

    preventing, protecting and responding to

    incidents involving flammable liquids.

    Flammable liquids are categorised as

    ‘extremely flammable’, ‘highly flammable’

    or ‘flammable’ depending on the flash

    point of the particular liquid, (consult the

    Material Hazard Safety Data Sheet issued

    by the manufacturer / supplier).

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    ReferencesHealth & Safety Executive (HSE)Guidance Series publications availablefrom HSE Books on 01787 881165,websitewww.hsebooks.co.uk:

    • The safe use and handling offlammable liquids – HSG140

    • The storage of flammable liquids

    in containers – HSG51• The storage of flammable liquids

    in tanks – HSG176• The spraying of flammable liquids

    – HSG178• Dangerous Substances& Explosive

    Atmospheres Regulations 2002.Approved Code of PracticeandGuidance – L138

    The main considerations whendealing with flammable liquids inthe workplace are:•   Environmentinwhichthe

    flammableliquidisbeingusedFor example, is it being heated,is it pressurised for paint, is itbeing used in areas prone toelectrostatic discharges, is it beingused in a closed environment orsomewhere with adequateventilation, or does the liquidreact with other liquids badly?

    •   Potential ignitionsourcesFor example, naked flames, hotwork, smoking, electrical lighting,power circuits, heating equipment,

    processes that involve friction orgenerate sparks, hot surfaces,static electricity.

    •   Fire developmentHow the fire could start, continueto grow, spread, be controlledand extinguished.

    For further information onFlammableLiquids Handling pleasecontact your local Tokio MarineEurope office or contact theRisk EngineeringAdministrator

    Tokio Marine Europe Limited60 Gracechurch StreetLondon EC3V 0HRTelephone +44 (0)20 7398 3133

    ResponsiblePerson

    What should your company do / have?

    SaferAlternative   Pre-incidentFirePlan

    Training  Separationand

    Containment

    ManualFireFightingEquipment

      FireProtection/Detection   EmergencyResponse

    •   SaferAlternative– On an ongoing basis, reviews should be undertaken of eachmanufacturing process which use flammable liquids to establish whether a safer

    alternative could be used.

    •  Pre-incident Fire Plan– This should be developed and issued to the fire brigade to providethem with details of the building location, layout, construction, flammable liquids on site,

    water supplies, fire protection and detection systems, venting arrangements and

    emergency organisation.

    •   SeparationandContainment – Areas where flammable liquids are handled or storedshould be fire separated from other areas of the building in a well ventilated area

    constructed to contain any accidental release of the flammable liquids. Where possible,

    this room should be located on an external wall with additional direct access from outside

    the building. Small quantities in the workplace should be kept in specially designed safetycans and stored in a ‘Flammable Liquids Cabinet’.

    •   EmergencyResponse – This is a written document that includes contact with the firebrigade, trained fire squad to tackle incipient fires (if safe to do so), isolation of plant and

    utilities safely, and evacuation of the building.

    •   FireProtection / Detection – It is essential that all fire protection / detection systems arekept operational at all times and any impairments carefully managed to ensure minimum

    down time. Fire protection systems should also be designed to adequately protect

    flammable liquids.

    •  Manual Fire FightingEquipment – Fire hoses and hand held fire extinguishers shouldbe readily available. This equipment should be sited in a prominent location and provided

    with signage to explain the type of fire that can be extinguished with the equipment.

    Staff should be familiar with the operation of this equipment in their area of work•   Training – This should be provided to responsible persons on precautions that should

    be taken when handling, transporting and disposing of flammable liquids.

    •   ResponsiblePerson– For managing ignition sources, housekeeping, hot work,electrical items, etc. This person should have the training and experience to be

    classed as competent.

    www.tokiomarine.eu

    FlammableLiquids

    Member of the Association of British InsurersAuthorised by the Prudential Regulation Authority and regulated by theFinancial Conduct Authority and the Prudential Regulation Authority Firm Reference Number 202574Registered Office: 60 Gracechurch Street, London EC3V 0HR Registered Number: 989421 England

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    Why does this affect your company?

    A fire will start as a small flame and

    grow into a large incident due to the

    combustible nature of the materials

    around it. Waste materials, packaging,

    combustible storage and flammable liquids

    are a significant source of fuel for a fireand could easily be minimised with good

    management standards.

    To minimise the risk of a fire occurring,

    consideration should be given to the

    obvious fire hazards. These can include:

    • smoking materials

    • hot work

    • electrical maintenance / earth bonding

    • storage of hazardous materials

    As a company you may already carry out

    health and safety inspections. This process

    will not replace the inspections already

    being conducted, but will enhance them in

    terms of scope. It would be our advice to

    incorporate the Tokio Marine Europe Fire

    Safety Inspection Checklist criteria into your

    existing inspections.

    Past studies have demonstrated that the

    majority of losses could be avoided with

    human intervention. It is essential that

    everyone in the company at all levels is

    knowledgeable of good practices and

    identifies issues on a day to day basis.

    As an example, employees must bemade aware that a blocked fire exit in

    their area of work could affect their

    means of escape in a fire.

    Competent employees conducting in-house

    fire safety inspections, with management

    support, provide a good defence against

    property losses such as fire, explosion,

    mechanical and electrical breakdown, as

    well as other perils.

    The Tokio Marine Europe Fire Inspection

    Checklist covers all of the key elements

    that help identify the fire risks within

    your facility. Every facility is different,

    so it is strongly recommended that

    each site develops their own procedure

    covering any specific on-site hazards.

    It is strongly recommended that you

    contact Tokio Marine Europe if you havea question about any of the elements

    you need to carry out.

    How does this affect your company?

    Fire Safety Inspections

    Detailed below are the main features required for an effectiveFire Safety Inspection:

    • Define roles and responsibilities

    • Keep the checklist simple and easy to follow

    • Define the areas to be included in the Fire Safety Inspection Checklist

    • Maintain records and review on a regular basis to identify possible trends• Conduct inspections on a regular basis (preferably weekly)

    • Record all types of losses or near misses

    • Continual awareness by all employees

    The most important factor is that the checklist should become part of the

    company’s procedures.

  • 8/20/2019 Risk_management El Instalations

    12/12

    References• Tokio Marine Europe Limited Fire Safety Inspection Checklist – availableinEnglish, French, German, Spanishand Italian

    • Exercising for Excellence, published by BSI, ISBN, 978-0-580-50953-7• Business Continuity Planning – A safety net for business article from Infocon

    Magazine Issue One, October 2003

    www.tokiomarine.eu

    And what could happen toyour company if you don’t takethese steps?

    For any business, it is a challenge

    tokeepfiresafety atthe top ofany priority list until you actuallywitness and have to deal with thedevastating effects of fire.

    In the 1993 World Trade Centerbombing, 150 companies went outof business, (out of 350 affected),which is scarcely an encouragingstatistic. An incident does not needto be a dramatic terrorist attackto have a massive impact on anorganisation. For instance, in the

    case of fires, 44% of businessesfail to reopen and 33% of thesefail to survive beyond three years.

    To obtain copies of the TokioMarine Europe Fire SafetyInspections Checklist pleasecontact your local Tokio MarineEurope office or contact theRisk Engineering AdministratorTokio Marine Europe Limited60 Gracechurch StreetLondon EC3V 0HR

    Telephone +44 (0)20 7398 3133

    TokioMarine EuropeInsuranceLimitedprovidesacopyofthis Checklistforthepurposeonly ofproviding informationtotheinsured client.Totheextentpermittedby law, no liability is assumedby TMEI by reason ofthisChecklist. Unlessprior written consentfromTMEI isobtained,theclient may not relyonthisChecklistand may not usethei nformationforanyotherpurpose,or disclose toanyperson otherthanthe client'sotheradvisers (who alsomay notrelyonsuchinformation). The clientwill not referto this Checklistinany publicdocumentorcommunicationandwill

    commissionits ownexpertadvice whererequired.Tothe extentpermittedby law,no liabilityis assumedby TMEI byreason ofthisChecklist.The client must itselfassesstheneedfor furtherdetailed adviceandTMEIdoesnotacceptresponsibility forany decisions the client makes, oromitsto make,asaresultofthis Checklist. Theclientmustitself assess the needforfurther detailedadvice andTMEIdoesnot acceptresponsibilityforanydecisionsthe clientmakes, oromitstomake, asaresult ofthisChecklist.

    TokioMarine EuropeInsuranceLimitedRegisteredin Englandno989421 RegisteredOffice150 Leadenhall Street,LondonEC3V 4TE

    Fa ci li ty I nd ex Num be r  

    Location Month

    B ui ld in g: No te s/C om me nt s/ Ac tio ns Tak en

    Area:

    Extinguishers

    Present / Accessible

    Charged

    HoseReelsPresent / Accessible

    Functional

    Housekeeping

    GoodConditionof Area/ItemEnvironment is Suitable

    CombustibleWasteRemoved Promptly

    CombustibleDust / Solid/ LiquidDeposits RemovedPromptlyElectrical

     All Equipment Operative

    GroundingUsed

    FlammableLiquidsSafety Cans / Cupboards Used

    LimitedQuantities inManufacturingArea

    StoreDrainageUnobstructedVentilationFans Operating

    Smoking

    Regulations ObservedHotWork

    Permits Used

    StorageWell Arranged

     Aisles Clear 

    Pallets PositionedinDedicatedAreas / Away f rom BuildingsIdlePallets Removed

    Clearof Electrical Equipment

    Other 

    I ns pe ct ed b y: D at e: R ev ie wed a nd s ig ne d b yM an ag em en t: D at e:

    Comments:

    Fire SafetyI nspectionChecklist (Form –CR004EN)

    Record andMaintainthe Results

    What should your company do / have?

    Responsible Person   Managementof Change

    Trainingand Education  Inspecting Internaland

    ExternalAreas

    MaintainNearMissandLoss Reports

      RandomInspections  RegularInspections and

    Follow up Inspections

    •   ResponsiblePerson– There should be a dedicated employee responsible to undertake,review and provide corrective measures. An individual or team should be trained to

    conduct these fire safety inspections.

    •  ManagementofChange– In the event a unique process or a new piece of equipmentis introduced to the facility via the management of change process, then the existing fire

    safety inspections will need to be modified in terms of content and scope.

    •   Inspections – Routine inspections should be conducted at regular intervals, (preferablyat least monthly), and should cover the internal, external and perimeter of the facility.

    Random inspections should also be conducted to evaluate that safety practices are

    followed at all times, and not just for inspections.

    •  NearMissand LossReports – All reports should be recorded and reviewed to highlight

    deficiencies. Actions to prevent similar situations occurring should be shared within the

    company and additional training provided where necessary.

    •   Training andEducation – All people involved with impairment activities should be fullytrained and educated on implementing impairment handling procedures and the possible

    hazards associated with them.

    •   RecordandMaintainResults– Routine monitoring and evaluation of the inspectionresults by management can help to highlight recurring problems. This will ensure that

    prompt corrective actions are taken to address unsatisfactory conditions that could lead

    to property damage or business interruption.

    FireSafetyInspections

    Member of the Association of British InsurersAuthorised by the Prudential Regulation Authority and regulated by theFinancial Conduct Authority and the Prudential Regulation Authority Firm Reference Number 202574Registered Office: 60 Gracechurch Street London EC3V 0HR Registered Number: 989421 England