The requirements of insurers regarding to fire safety

Insurers; they apply different requirements regarding fire safety at companies. These requirements can vary depending on the nature of the business, its size, location and many more factors. In general, insurers strive to minimize the risk of fire and any resulting damage. But what exactly are these requirements? There are many requirements, so we have listed eight common requirements regarding fire safety in companies.

1. Fire prevention plans

Companies are often required to have documented fire prevention plans, which describe procedures and measures to prevent fires. This includes identifying potential fire hazards, maintaining firefighting equipment and training staff in fire safety.

2. Fire extinguishing equipment

Suitable fire extinguishing equipment must be provided and regularly maintained and tested.

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3. Fire risk analysis

Some insurers may request a detailed fire risk assessment for the business, identifying potential risks and making recommendations to reduce them.

4. Building regulations

Businesses must comply with local building codes and standards regarding fire safety. This includes things like fire-resistant materials, emergency exits and so on.

5. Evacuation plans

Companies must have evacuation plans that instruct employees and visitors on what to do in the event of a fire. These plans should be practiced regularly.

6. Safety features

Insurers may impose requirements on the presence of safety features such as smoke detectors, fire-resistant doors and emergency lighting.

7. Safety training

Insurers may expect that employees are regularly trained in fire safety and that there is documentation of this training.

8. Fire safety inspections

Insurers may require periodic inspections of the company to check whether fire safety requirements are being met.

The requirements of an insurer versus your own safety

It is important to remember that specific requirements may vary between insurers and are dependent on local laws and regulations. If you run a business and take out fire insurance, it is advisable to contact the insurer and discuss any specific requirements to ensure that you meet their fire safety requirements.
KMA Group is happy to contribute to the safety of your organization, because adhering to measures can not only increase safety, but also help keep premiums low and maintain coverage in the event of damage due to fire. It may be that your company falls just outside certain measures, but unfortunately this does not immediately mean that there are no risks.

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KMA Group has been supplying the best protection products for people and goods since 1866. Expertise and tailor-made solutions for textile protection and fire safety. Depending on your specific wishes, we can advise you on the best solution.