Fixed Fire Protection Getting it right, Ensuring Performance and Value

Fixed Fire Protection Getting it right, Ensuring Performance and Value 18 th May 2017 Stuart Lloyd, EngTech TIFireE Principal Risk Engineer Practice Leader Fire Protection Engineering Zurich Risk Engineering

Objectives Why install fire protection system? Decision and selection criteria Discuss concepts of: Is it in service? Will it work? Is it designed right? Zurich Recognized Solutions Support from ZRE Importance of ITM (Inspection Testing and Maintenance) Available ZRE resources (Risk topics, ITM white paper, courses) 2

Fire Protection Systems Selection Criteria Why Install a fire protection system? Is the system required to meet legislation? Fire safety strategy Life-safety requirements Is the system desired/required to satisfy an insurer? Property protection Business Interruption reduction Have you considered all aspects? 3

Decision Criteria 1 Life safety 6 Environmental risk 2 Property protection risk 5 Reputational risk 3 Business resilience risk 4 Business continuity risk

Decision Criteria How will a fire start? How will it spread and what will be the damage? How will it be stopped? 5

Decision Criteria Will any single event lead to loss of the building? Will chosen fire detection or fixed fire protection systems ensure identified critical equipment is reinstated within x hours? Will more than x square metres of raw materials or stock or research materials be involved by fire in any single event? Will protection will be designed to remain viable for all operation modes and during maintenance periods? 6

Fire Protection Systems Other Selection Criteria Is the proposed system the most suitable protection method? Will it be designed, installed, commissioned and maintained to expected published standards? Is the contractor certified for such work (or has proven experience)? Will the system signed off be certified? a third party inspector? Will the system be inspected periodically in respect of capability and performance? 7

Fire Protection Systems Examples of Third Party Schemes and Certification USA has all systems signed off by a licensed PE, who has reviewed all plans, specifications and completed installations They hold responsibility for system selection and sign-off AHJ s (Authority Having Jurisdiction) ensure application of ITM Germany and Netherlands have 3 rd party systems inspectors who certify systems upon completion and offer annual verification VdS and R2B are such examples UK has listed sprinkler, gaseous and detection installer schemes Installers not required to be members, but most are Audited samples of installers work (2 contracts per year) Installers can self-certify work in many cases Not all installers are certified or subject to audit selection Many countries have no schemes in place 8

Fire Protection Systems Acceptance Criteria Acceptance of fixed fire protection systems based upon selecting a system (or equipment) that is: Listed, approved, or certified by a recognised testing laboratory (e.g. UL/VdS/BRE) for its intended purpose Designed, installed, and maintained in accordance with acceptable published codes or standards (e.g. BS/NFPA/EN) addressing the intended purpose Designed, installed, and maintained in accordance with manufacturer's literature Where a system does not have an appropriate listing or is not covered by an applicable code or standard there is no basis upon which to accept it 9

The basics Basic approach to any fire protection or detection system: Is it designed right? Is it in service? Will it work? 10

Ensuring Fire Protection is Effective Is it in Service? Sprinkler valve open? Pumps have fuel and power? Electronic systems in Auto? Impairment management Checks Visual and physical confirmation 64% of cases where sprinklers failed to operate were due to the system being shut off NFPA, 2013

Ensuring Fire Protection is Effective Will it work? Service and maintenance contract? Tested as required by standards? Manual release accessible? Checks Documents confirmation Visual checks Performance tests 15% of cases where sprinkler systems failed were due maintenance issues NFPA, 2013

Ensuring Fire Protection is Effective Is it designed right? Is design/protection method appropriate for risk? Follows the requirements and intent of suitable codes/standards Meets customer / insurer requirements and expectations Periodic risk review design remains appropriate for the changing environment 13

Ensuring Fire Protection is Effective Zurich Evaluation Methodology Zurich Recognized Testing Laboratory Acceptable Laboratory Test Protocol Zurich Recognized Solution Zurich Recognized Property Protection Principles Manufacturer's Guidelines

Zurich Recognized Solutions Zurich Recognized Testing Laboratories: Independent Accredited* Work within accredited scope Apply acceptable test protocols Issue Approvals, Listings or Certifications Maintain a follow up program Zurich Recognized Testing Laboratory Zurich Recognized Property Protection Principles Zurich Recognized Solution Acceptable Laboratory Test Protocol Manufacturer's Guidelines * Qualified third-party accreditation bodies include members of the International Laboratory Accreditation Cooperation. http://ilac.org/ilac-membership/members-by-category/

Zurich Recognized Solutions Acceptable Laboratory Test Protocol Not only must the testing laboratory itself be recognized by Zurich, but the testing standards and protocols applied to evaluate a product must be acceptable. It is not sufficient for a product to be tested at a Recognized Testing Laboratory. The product must be: tested under the direction of the laboratory tested in accordance with an acceptable approval, certification, or listing test published in a printed or online record by the Recognized Testing Laboratory Zurich Recognized Testing Laboratory Zurich Recognized Property Protection Principles Zurich Recognized Solution Acceptable Laboratory Test Protocol Manufacturer's Guidelines

Zurich Recognized Solutions Zurich Recognized Property Protection Principles A collection of selected third-party published property protection standards recognized by Zurich along with additional Zurich insights Zurich recognize many international fire protection standards Zurich Recognized Testing Laboratory Zurich Recognized Property Protection Principles Zurich Recognized Solution Acceptable Laboratory Test Protocol Manufacturer's Guidelines

Fire Protection Specialist Support Concept to completion of project Specialist knowledge of systems, standards and industry best practices, for your project to attain the most suitable level of protection for property insurance purposes. Fire Protection Project Concept Review A preliminary review of a proposed facility / occupancy, conducted at an early stage in the project. Fire Protection Specification Review A review of a proposed fire protection design (e.g. sprinklers, fixed fire protection, water supply, fire detection) Fire Protection Plan Review A detailed review of plans (e.g. sprinkler drawings, hydraulic calculations etc.) Fire Protection Systems Installation On-site Assessment A site visit by ZRE at one or more stages during the installation of the fire protection systems to identify deviations from the specification Fire Protection Acceptance Tests Witnessing fire protection acceptance testing on-site. 19

Resources Publicly available documents Risk Topic Zurich Recognized Solutions White Paper Inspection, Testing, Maintenance 20

Fire Protection Training Course This one-week course, held at the Tyco, Cranston, RI Facility is intended for customers who are responsible for fire protection systems The course focuses on fire system impairment management and fire system inspection, testing, and maintenance. Knowledge is transferred through hands-on training and interactive exercises supported by classroom presentations. The outcome is an understanding of Zurich Best Practice for fire system care and maintenance for property insurance purposes. The learning objectives of this course are: Review fire system installation and operation relevant to system care and maintenance Become familiar with fire system impairment management practices Understand how to visually confirm fire systems are in service and ready to operate Become aware of periodic inspection requirements fire systems Learn periodic testing requirements fire systems Review periodic maintenance requirements fire systems 21

Thank you Stuart Lloyd, EngTech TIFireE Principal Risk Engineer Practice Leader Fire Protection Engineering Commercial Insurance Email: stuart.1.lloyd@uk.zurich.com 22

The information contained in this document is intended as a general description of certain types of services and insurance covers available to qualified customers. Zurich Insurance Company Ltd or any of its subsidiaries and its employees do not assume any liability of any kind whatsoever, resulting from the use, or reliance upon any of the information contained herein. It does not replace or complement your individual insurance policy, which is the only source for terms and conditions of your respective insurance cover. This is intended as a general description of certain types of services and insurance covers available to qualified customers through subsidiaries within the Zurich Insurance Group Ltd. including, in the United States, Zurich American Insurance Company, 1299 Zurich Way, Schaumburg, Illinois 60196, and, in Canada, Zurich Insurance Company Ltd, 100 King Street West, Toronto ON M5X 1C9, and, outside the US and Canada, Zurich Insurance Plc, Ballsbridge Park, Dublin 4, Ireland (and its EU branches), Zurich Insurance Company Ltd, Mythenquai 2, 8002 Zurich, Zurich Australian Insurance Limited, 5 Blue St., North Sydney, NSW 2060 and further entities, as required by local jurisdiction. 23