Problems with Fire Protection Appliances installed in many industrial risks

From the general perspective of Insurers, backyard operators are amongst the many industrial risks who are the least concerned about fire protection and fire prevention at their premises. To them, there is insurance to claim, for any loss or damage to their properties, so why bother with fire prevention measures.  They do not realize the long term damage caused by interruption to their business which can result in loss of goodwill, loss of customers, reduced market share or worst, goes into liquidation etc.

Below are amongst the evidence of "neglects" in majority of risks:

Portable fire extinguishers (PFE) are often misplaced from their original position, or past their service date or damaged due to vandalism. Theft of PFE is not uncommon.

Hydraulic Hose Reels (HR) are sometimes used for the wrong purpose (for washing car) when they are supposed to be used only for fire fighting. Pumps, at times, were found malfunctioned when tested. External Flexi hose, due to prolong exposure to heat under the scorching sun became brittle and caused leak Those installed internally are damaged by the impact of moving vehicle like forklift.

Pillar Hydrants in the compound, especially those fed from the public mains often suffered from low water pressure making fire fighting ineffective. Those installed with own pump sets were found to malfunction at times when tested. Effective capacity of the water storage tank failed to meet the minimum requirement of the hydrant system. . Canvas hose and nozzle kept next to each hydrant point were found missing. Often the view of hydrant is obstructed by overgrown lalangs or bushes.

Break Glass Fire Alarm and Smoke/Hear Detectors are meant to detect fire and summon help to the affected area. Often they are poorly maintained with weak battery, faulty bulb and wrong positioning. Sometimes, the Control Panel is not even manned.

Automatic sprinkler system suffered from faulty pump sets, ineffective capacity of the water storage tank and obstructed sprinkler heads etc

Thank You, Agents

Dear Agents

Thank you so much for your positive comments and for following my blog. Am glad that you all find the class interesting but more importantly you have acquired the necessary knowledge that can helped improve your sales.

Hope to see you all again soon.


Hello Mr Steven, I'm not a computer expert, don't know where to click to become a follower. Anyway I enjoy the seminir on 12/4/2011. Thanks for share with us.

Hi, Mr. Steven I am also one of the participants of your event but not at Concorde Hotel KL but I just attended your class yesterday at Seri Mutiara Hotel at JB. Your presentation was wonderful (I ticked Execellent). All the technical knowledge and clauses you had highlighted are very useful (some of the clauses were the first time I had ever heard) to we agents to up our stake and beat the competition in this industry. Hope to see you in JB again soon for your next talk.

/I'm 29 follower today.. Generation now put yr blog explore at Facebook now. I'm Wayne.. MSIG agent and come to support.. Nice to meet u and feel yr seminar very interesting.. Thanks. ;-)

/Hi Steven , i am one for of the participant of your event in Concorde yesterday. Allow me express my thanks and gratitude for giving us a lively and interesting presentation . I reckon that the points highlighted are very relevant to our industry today .

PROGRAM LATIHAN 1MALAYSIA

TITLE OF TRAINING PROGRAMME

OPERATIONAL/ HAZARD ASSESSMENT &
IMPROVEMENT NEEDS FOR THE SMALL TO MEDIUM SIZED INDUSTRIES (IN-HOUSE PROGRAMME)

PROGRAMME OVERVIEW

Designed to enhance the technical knowledge and skills of its people who are involved in the day to day operations of the plant or facilities through the use of a proper and systematic risk management tools to identify, analyze, control or eliminate the inherent or potential hazards present in the plant or facilities.

If left unchecked, accident can caused wide spread damage to properties, injuries or death to its people, liability suits for negligence from the public at large and loss of business earnings through the physical disruption of the plant/facilities caused by the accident through one’s own negligence.

TARGET GROUP

Technicians, Plant Manager, Site Supervisors, Security & Safety Officers, Production Crews

CONTENTS

Session 1

Concept of Risk Management and its application at the workplace
The Risk Management Process:

• Identification,
• Analysis,
• Prioritize,
• Control

The various Risk Management Tools:

• Process Flow Chart,
• Risk Questionnaires,
• Check List,
• Annual Financial Report,
• Fault Trees,
• Site inspection etc

Session 2

Understanding the hazards via power point and visual presentation

• Physical Hazard
• Moral Hazard
• Morale Hazard

The impact on the organization

Session 3

Identification and Analysis of the Hazards via video presentation

• At the Work place and the facilities provided
• The use and maintenance of Tools and Equipments
• The Competency of its workers
• Liability arising from the workplace, use of equipments and action of its employees

Session 4

Study tour of factory (for in-house program)

• Putting theory into practice

Identification

• What are the hazards identified during the tour?

Likelihood and Severity Studies

• What is the likelihood of accident happening from the hazards identified?
• How serious can the damage be to the properties or injury sustained by its people?
 How long will the business be interrupted by the accident resulting in loss of earnings?

Improvement Needs

• What must be done to control or eliminate the accidents from happening?
• Where must it be done?
• When must it be done?
• Why must it be done?

Session 5

Drawing up a Business Contingency Plan to safeguard and ensure the continuity of its business

Compliance with Occupational Safety & Health Act (OSHA) to safeguard its people from disease, injury or death at workplace

LEARNING OUTCOMES

Posses the knowledge, the awareness, the right attitude and the ability to help manage the facility and create a conducive and a safe working environment for its people and also bring immediate business benefits to the organization.

DURATION

2 full days including lunch and 2 tea breaks in between

COURSE FEE (INHOUSE PROGRAMME)

To be quoted upon request


CONTACT INFORMATION

Training Provider
CSH Knowledge Management Sdn Bhd
Royal Palms Business Suite
21, Jalan Putra Murni 3/3A, Putra Heights,
47650, Subang Jaya, Selangor

Training Provider Registration No. 2053

Contact Person:

Ms Mary Tan
Contact No

Handphone No: 016-337 3837
Handphone No: 012-337 3837
Tel/Fax No:03-51925227

E-Mail Address:

stmailto:stevencheah@csh.com.my
mary@csh.com.my

Singapore: GIA urged to set up central fraud database. Read the Malaysia Context

Asia Insurance Review reported on 1.4.2011

"With fraudulent claims on the rise, the General Insurance Association of Singapore (GIA) was urged by Ms Luz Foo Mei Lan, Executive Director, Insurance, Monetary Authority of Singapore, at GIA's Annual Luncheon to get members to share their individual fraud experiences and explore the possibility of setting up a central database to enhance fraud detection"

In actual fact, making individual fraudulent claims are not uncommon in the malaysian environment. Majority of Customers who purchased insurance often misunderstood the principles of Insurance. After they have made the premium payment and no claim was made under their policy, they would constitute the insurance as a "investment" lost to them (paid for the premium but no returns).

So be it themselves or in cohort with their partners in crimes, some would find ways to make a fraudulent insurance claims at the expense of Insurers.

Would you believe that an individual can even chopped their fingers off in order to make a claim out of their PA Insurance in times of financial difficulty?

Have you witnessed people with pre-existing medical ailment, declaring in the proposal that they are in the best of health, taking up medical insurance at the last minute. Then painfully waited 3 months for the waiting period to expire before admitting themselves to a private medical centre for treatment. Medical bills are then presented to the the Insurer to seek reimbursement?

Heard of patients working in liason with the attending physician in charge to alter the medical findings and inflate the cost of treatment?

Some lazy people with monday blues, for no apparent medical ailment, would asked to be admitted to medical centre for observation citing pain in stomach etc and then asked to be discharged from the medical centre few hours later.

Heard of Motor vehicle owners purposely crashed their car into objects then inflate the repair costs. Motor cycle owners even reported their machines stolen when they have just dumped them into the river or sea?

For theft related claims especially personal items like jewelry or watch, customers may not have the original purchase receipts with them anymore. Insurer would require proof of purchase to justify the claim. How then can the customer make an insurance claim. Very simple, just get an old official receipt from friends similar to the items lost and present same to the Insurer.

The list goes on.

Onus is on the Insurer to proof that the claims are fraudulent.