Hot Works Controls | Site Security Systems
| Many insurance practitioners see builders risk exposures as just another property exposure. In some cases they are correct, but in other areas the exposures are unique and offer many challenges. These challenges make risk control and risk management for a builder risk project essential. The Fundamental Differences The fundamental difference with property and a builders risk is that the building is not complete. While this sound simple, the real meaning is that fundamental property controls have not been installed. Fire separation, interior compartments, floor ceiling separations, fire doors and fire walls may be in the future of the project, but they are not in place. The fire service describes a framed up building to be a “vertical lumberyard”. Fire spread can be too fast for the fire department to gain the upper hand in the building of origin. The need for heavy master streams and a strong water supply mean that preplanning and adequate hydrants and water supplies are needed. See our website for a more detailed report and preplanning document. |
| Hot Works Controls The lack of internal cut offs make hot work controls on the site critical. An effective hot works permit program with a dedicated fire watch after hot work is complete is a requirement to protect a builders’ risk project. BFM is pleased to offer our customers access to an industry supported planning document on hot work controls. |
| Fire While fire is the leading severity issue for builders risk projects, theft is the leading frequency type of loss. Building materials are easily sold and often have no identifying serial numbers or identification. Metal thefts that bring a few dollars at a scrap yard do thousands of dollars of damage at the job site. Having a security program that controls access, documents activity and alerts authorities to suspicious activity all contribute to the project being well guard against loss. Low cost solutions such as site lighting, pre planning with local police and a good neighbor policy can all be used to combat theft. Adding a wireless alarm system can be the next level of security. Portable and able to be configured to meet a wide variety of site condition, these systems are invaluable in protecting your property. BFM client can access these systems from Tattletale. |
| Your Team of Underwriters The BFM team or underwriters, claims and risk control can help you build a builders risk program that delivers coverage, risk control and claims expertise that is second to none. Contact us to get the BFM team working for you. |
Construction Safety Practices was last modified: July 21st, 2021 by
