Underwriting High-Rise Frame Construction
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1 Underwriting High-Rise Frame Construction An Underwriting/Risk Control Perspective Our risk control service is advisory only. We assume no responsibility for management or control of customer safety activities nor for implementation of recommended corrective measures. This presentation is based on information supplied by the customer and observations of conditions and practices at the time of the visit. We have not tried to identify all hazards. We do not warrant that requirements of any federal, state, or local law, regulation or ordinance have or have not been met. This report does not create coverage. Only your policy or contract provides coverage subject to its terms, conditions, and exclusions.
2 Objectives UWer s Perspective RC/LC/LP Perspective Exposures/ Controls Key to the Health of the Project Liberty Mutual Insurance 2
3 Writing High Rise Frame Construction: An Underwriting Perspective Part 1 First/foremost No builders risk is ever any better than the contractor Financially sound with solid experience and reputation for what they do. Spread of risk is a major concern - KNS High-Rise Frame Construction tends to negate Spread of Risk: high values in one fire division One building / one fire division FD construction / wall penetrations / number / spacing / area? Will there be AS protection? At what point will the AS be operational? Best- case scenario - as soon as the floor is completed. Worst-case scenario - just prior to turning the building over. Liberty Mutual Insurance 3
4 Writing High Rise Frame Construction: An Underwriting Perspective Part 2 Wind clips Relatively inexpensive Can be a good control against wind loss Security Needs to be appropriate to the stage of construction Sizeable losses from copper theft On larger projects, CCTV systems or security guards are not unreasonable Deductible: The larger the risk, the larger the deductible should be. Liberty Mutual Insurance 4
5 High-Rise Frame Construction Liberty Mutual Insurance 5
6 Spread of Risk? Liberty Mutual Insurance 6
7 Spread of Risk Liberty Mutual Insurance 7
8 Writing High Rise Frame Construction: An Underwriting Perspective Rule of Thumb for involving Risk Control / Loss Control / Loss Prevention Construction is at approximately 30% Sides and roof framed Building(s) is(are) weathered in Alternative to the R-o-T Depending upon the size/value of the project, get RC/LC/LP involved when coverage is being contemplated/planned or when the BR insurance has been written. Liberty Mutual Insurance 8
9 Pre-Plan to Avoid This Source: Liberty Mutual Insurance 9
10 Risk Control Perspective Using the Residual Risk Reduction (R3) Approach Multi-employer Worksite: Subcontractor Controls Exposure / Site Controls Fire Protection Wind Liberty Mutual Insurance 10
11 Multi-Employer Worksite: Subcontractor Controls Selection: Criteria qualifying the GC, the Sub: Track record; loss history; EMR Risk Management Controls Pre-job Contractual; RC/Safety program Risk Management Controls During job Jobsite supervision Risk Management Controls Post-job Post-Job debriefing: Sub performance problems What can be done better next time? Liberty Mutual Insurance 11
12 Exposure / Site Controls: Materials: Ownership, Delivery, Storage At what point does the Builder or the Insured take ownership of the materials? When delivered? When installed? How are the materials delivered? By supplier, the sub, the builder? Who unloads? How are the materials stored? On-site/off-site What are the considerations? Liberty Mutual Insurance 12
13 Materials Security? Liberty Mutual Insurance 13
14 Solar-powered Recording Surveillance Cameras and Lights Liberty Mutual Insurance 14
15 High-powered Security Lights on the Trailer; Motion Sensors Throughout the Site Liberty Mutual Insurance 15
16 Security Liberty Mutual Insurance 16
17 Fire Protection: NFPA 241: Standard for Safeguarding Construction, Alteration, and Demolition Operations, 2009 Edition Chapter 4 Temporary Construction, Equipment, and Storage Chapter 5 Processes and Hazards Chapter 6 Utilities Chapter 7 Fire Protection Chapter 8 Safeguarding Construction and Alteration Operations Chapter 9 Safeguarding Roofing Operations Chapter 10 Safeguarding Demolition Operations Chapter 11 Safeguarding Underground Operations Liberty Mutual Insurance 17
18 Fire Protection: NFPA 13: Standard for the Installation of Sprinkler Systems, 2013 Edition Will the building be equipped with AS protection? At what point of construction is the AS system activated? Liberty Mutual Insurance 18
19 NFPA 13R: Covers Residential AS Protection Liberty Mutual Insurance 19
20 Fire Protection: NFPA 51B Chapter 5: Hot Work Program Written hot work permit Defines the work to be done Limited in time frame Pre-issue requirements: a. Equipment condition b. Housekeeping c. Private fire protection d. Proximity to combustibles (no touch rule); determines the degree of safeguarding; if can t meet 35 requirement then: e. Establish a fire watch f. Permit-Authorizing Individual (PAI) inspection: at least once per shift while the hot work permit is in effect to ensure that it is a fire-safe area How often do I see an actual HWP? Liberty Mutual Insurance 20
21 Fire Protection: NFPA 241 Chapter 6: Utilities and Electrical Temporary Electrical GFCI-protected GFCI testing Assured Grounding Inspection frequency Color coding Subs included Extension Cords Inspection Condition Exposure to traffic Ground prong cut-off Liberty Mutual Insurance 21
22 Temporary Electrical - Spider Boxes Liberty Mutual Insurance 22
23 Temporary Electrical T-Pole Liberty Mutual Insurance 23
24 New Age Approach to Warming Food on the Jobsite Better than the camp fire with lumber scraps Liberty Mutual Insurance 24
25 Fire Protection: NFPA 241 Chapter Fire safety program shall be developed 7.2 Elements of the FSP Good housekeeping On-site security Fire protection systems Organization and training of an on-site fire brigade Development of a pre-fire plan with the local fire department Rapid communication Protection of existing structures and equipment from exposure fires Liberty Mutual Insurance 25
26 NFPA 30: Flammable and Combustible Liquids Code, 2012 Edition: Chapter 15 Outdoor Storage Storage Plastic or Metal? Cans/drums/tanks? Spill-proof? Spring-loaded caps? Backflash screens? If tanks: Dispensing Bonding/grounding Static Smoking Controls Construction / spill containment / location from Table 15.3: IA: 2200 gal 7 high 50 /10 (FP<73; BP<100) IB: 4400 gal 14 high 50 /10 (FP<73; BP=/>100) IC: 8800 gal 14 high 50 /10 (FP=/>73, <100) Liberty Mutual Insurance 26
27 Fuel Storage Tank Liberty Mutual Insurance 27
28 Looking for the diesel fuel for your loader? Liberty Mutual Insurance 28
29 Fuel Storage- needs improvement on this site. Liberty Mutual Insurance 29
30 Wind Has the GC/Builder/Insured developed a plan for this? Liberty Mutual Insurance 30
31 Wind Bracing Lateral-Force Collectors for seismic and wind Liberty Mutual Insurance 31
32 Wind Bracing Liberty Mutual Insurance 32
33 Resources / References Materials (reference notes): Khou.com- Houston Breaking News Video National Fire Protection Association, NFPA Fire Codes Websites: Liberty Mutual Insurance 33
34 Health of the Jobsite Safety on the project is only as strong as the GC. What we have discussed can be key exposure areas. The degree to which these exposure areas are controlled can be the difference between: this or this Liberty Mutual Insurance 34
35 Questions and Comments Liberty Mutual Insurance 35
36 Thanks for Your Participation! Liberty Mutual Insurance 36
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