Lawrence Webster Forrest (LWF), Fire Engineering and Fire Risk Management Consultants
Lawrence Webster Forrest (LWF), Fire Engineering and Fire Risk Management Consultants



Navigation

Client login
Forgotten password
Follow us on Twitter Follow us on Facebook Subscribe to our blog

Lawrence Webster Forrest
Legion House
Lower Road
Kenley
Surrey
CR8 5NH

Tel: +44 (0)20 8668 8663 Fax: +44 (0)20 8668 8583
E-mail: fire@lwf.co.uk

Facilities Management & Fire Safety - Insurers & Property Protection - Part 8

Posted by LWF: 12/02/2019 11:06

In LWF’s blog series for those who work in Facilities Management or who have an interest in or responsibility for fire safety, we have been looking at the part Insurers have played in property protection over the years. In part 7, we discussed the role the FOC played in producing rules and regulations not only for building standards but also for fire protection products. In part 8, we will continue looking at the impact of the FOC rules on property protection, before looking at the reason the tariff system put in place by the FOC was abolished.

Despite the FOC’s regulations and rules raising the standard of fire protection generally, it should not be forgotten that their aim was property protection rather than life safety. One such example is that their requirements for automatic fire detection systems required only two bells for the entire building as its purpose was to alert the Fire Service by automatic transmission of the signal to a control room (or more recently, an alarm receiving centre). The purpose of one of the bells which would be located on the outside of the building was to indicate to the Fire Service which door they should arrive at in order to access the fire alarm control panel. 

In addition, the system did not need to include any manual call points. Another area of interest is that of fire-resisting doors inside buildings; the FOC required that they were sufficiently fire-resistant to withstand the passage of flame for a period that exceeded the requirements of escape routes for people in the building, however, they were not required to be smoke sealed, as they would be for life safety purposes.

The tariff insurance system which was promoted and disseminated so efficiently by the FOC also included an arrangement for FOC members not to charge less than the minimum rate for certain risks, unless the member companies had agreed the price decrease. In addition, where a large risk was insured by a number of different insurers together, a minimum of 65% of the values at risk should be underwritten by tariff companies. 

These restrictions in pricing drew the attention of the Monopolies Commission and in 1972, they recommended that the tariff system should be abolished. The (very informative and useful) technical section of the FOC became the Loss Prevention Council and the subsidiary approval and certification body became the Loss Prevention Certification Board. The LPCB was self-financing and not related purely to the needs of fire insurers, it was later amalgamated into the Building Research Establishment.

In part 9 of this series, LWF will continue to look at the impact of insurance on fire safety, in particular discussing the fallout from the abolishment of the tariff system. In the meantime, if you have any queries about your own facilities or wish to discuss this blog series, please contact Peter Gyere in the first instance on 0208 668 8663.

Lawrence Webster Forrest is a fire engineering consultancy based in Surrey with over 25 years' experience, which provides a wide range of consultancy services to professionals involved in the design, development and construction and operation of buildings. 

While care has been taken to ensure that information contained in LWF's publications is true and correct at the time of publication, changes in circumstances after the time of publication may impact on the accuracy of this information.


Leave a reply

  *

  *

 


CAPTCHA Image

[ Change the image ]


*Required

Subscribe to our fire safety blogs

Bulletins
Email Format
* indicates required

FIRE SAFETY BLOGS

  • Fire Engineering Design and Risk Assessment - Firefighting & External Water Supplies - Part 27

    In LWF’s Fire Engineering blog series for Architects and others in the building design business, we have been looking at fire safety engineering. In part 26, we looked at how the choice of fire hydrant can affect the efficiency of delivery and by working out the additional time required to prime an underground hydrant when compared to a pillar hydrant with instantaneous couplings, it was established there could be as much as 2 minutes delay...

    Read more...

  • Fire Safety for Healthcare Premises - Venting of Basements - Part 61

    In LWFs blog series for healthcare professionals, the aim is to give information on best practice of fire safety in hospitals and other healthcare premises. In part 60 of this series, the placement of fire hydrants in relation to hospital buildings was discussed. In part 61, we will look at the effects of smoke on basement levels and the use of venting.A fire which starts in a basement or involves a basement level causes...

    Read more...

  • Facilities Management & Fire Safety - Insurers & Property Protection - Part 8

    In LWF’s blog series for those who work in Facilities Management or who have an interest in or responsibility for fire safety, we have been looking at the part Insurers have played in property protection over the years. In part 7, we discussed the role the FOC played in producing rules and regulations not only for building standards but also for fire protection products. In part 8, we will continue looking at the impact of...

    Read more...

  • Fire Engineering Design and Risk Assessment - Firefighting & External Water Supplies - Part 26

    In LWF’s fire engineering blog series for Architects and other interested parties in the building design business, we have been looking at firefighting. In part 25, we looked at how hydrants should be located in relation to the building perimeter and the likely position of a Fire Service pump upon attending a fire at the premises. In part 26, we continue looking at location and also the type of hydrant provided in relation to the...

    Read more...

  • Fire Safety for Healthcare Premises - Fire Mains - Part 60

    In LWFs blog series for healthcare professionals, the aim is to give information on best practice of fire safety in hospitals and other healthcare premises. In part 59 of this series, LWF discussed the requirements for healthcare buildings with a hospital street and which do not require a fire-fighting shaft. In part 60, we will look at the provision of fire mains.Fire mains must be provided in every firefighting shaft, or in some instances,...

    Read more...

Case Studies

The Wohl Neuroscience Institute - Fire Safety, Strategy & Engineering
Key Facts: Client: King’s Clinical Neuroscience Institute Project Manager: MACE Ltd Designers: Devereux Architects/Allies and Morrison Approximate Size: 7,400m2 Description of the Project:...

Read more..

General Bulletins

Fire - The External Risk
When we consider fire safety, our focus is normally from within, what can we do to prevent the occurrence of fire and how we can limit its damage.  Whilst this is the correct stance to take, we m...

Read more..

Technical Bulletins

Evacuation Modelling - Factor in Human Behaviour
Evacuation of buildings can be analyzed in different ways. Approved Document B (ADB) which provides guidance on meeting the requirements of the England and Wales Building Regulations with regard to fi...

Read more..

Site map | Web development London