Page 80 - Fire Insurance Ebook IC 57

Fire and Consequential Loss Insurance

Important Points to Remember

n The term "Fire Hazards" refers to not only the causes of fires but
also those circumstances which increase the probability of a fire
occurring, or which enable fires to spread and increase the loss.

n Often, the contributory risk is more important than the
originating risk.

Originating hazards How it can be reduced

Electrical Careful selection of equipment, use
Electrical hazards is one of the of good quality of equipment and
leading cause of industrial materials and a high standard of
fires. It may produce sparks or workmanship in the installation.
overheating/ sparking.

Smoking Discipline, control and education

Smoking is the most frequent

cause of fire almost everywhere.

Friction Regular schedule of inspections,
Friction due to hot bearings, maintenance and proper and
misaligned machine parts, adequate lubrication
poor adjustment of power
drives and conveyors etc.
leads to many industrial fires.

Overheated materials Careful supervision and
The hazard arises due to competent operators,
abnormal process temperatures, supplemented by well maintained
especially those involving temperature controls.
heated flammable liquids and
materials in driers.

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