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5. Policy life cycle ("Fire")
The industrial risks branch has developed a specific approach to fire risk analysis. The purpose of the "visit" to the industrial site by the insurer's engineer is to :
identify damage risks, including sources of ignition, combustible and flammable products, various propagation factors, building construction, hazardous processes, etc. ;
assess whether the means of prevention, compartmentalization, detection, protection and intervention are well designed, well maintained, reliable and adequate;
assess the risks of interruption (operating losses), in particular in terms of the existence of neuralgic points, production bottlenecks, the number of production lines, their utilization rate, the possibility of troubleshooting both internally and externally to the site or company,...
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Policy life cycle ("Fire")
Bibliography
Websites
French Federation of Insurance Companies http://www.ffsa.fr
This site provides :
a glossary of insurance terms ;
documents (presentation of the main insurance policies) from CDIA (Centre de documentation et d'information de l'assurance).
Characteristics of the main property and casualty policies
The characteristics of the main property and casualty policies are summarized in tables 2 , 3 ,
Characteristics of the main liability policies
Damage to third parties can be :
bodily: injury to the physical integrity of human beings;
material: damage to property (including animals) belonging to third parties or to those in which he has an interest;
immaterial: i.e. any financial loss. For an insurer, it is important...
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