1. Risk Assessment and Claims

2. Risk Assessment -Selection of appropriate Insurance Policy -Selection of additional Covers -Type of Indemnity -Declaration of proper Values -Deciding adequate Indemnity Period under Business Interruption -Analysis of Warranties/Conditions

3. Risk Management- Underwriting Factors  House Keeping  Construction  Protection  Arson / Malicious Damage  Exposure

4. House Keeping

6. Construction  Buildings  Fire Resistive (Mainly RCC with certain mix and has ability to sustain fire for at least 2 hours)  Non- Combustible ( Steel structures and Br. Masonry)  Combustible (Wood, thatched sheds, tarpaulins etc) & Use of combustible false ceiling  Special features  Passive fire protections  Physical Separation

7. Construction cntd.. RCC/ Asbestos/ Open sided

8. Construction cntd.. False Roofing/ Combustible

9. Protection  Availability, adequacy & reliability of any Fire extinguishers, Hydrant system or other systems and also Water supply.  Availability of Security personnel as well as their knowledge and expertise to fight a fire.  Availability of automatic detection systems  If ware house – availability of the key/ power control/location of extinguishers at the entrance.  Fire Extinguishing media in tune to the material being stored in the ware house

10. Protection  PROXIMITY TO PUBLIC FIRE BRIGADE  Whether a fire brigade can reach within 20 minutes

11. Protection

12. FIRE DETECTION and ALARM SYSTEM

13. Arson & Malicious Damage  Surveillance to protect the assets from insiders and outsiders.  CCTV  Intrusion Alarm  Access control

14. Protection Adequate additional measures like CCTV, access control, being in place

15. Exposure  Distance/ proximity to the nearest building  Exposure from the existing units/ buildings depending upon their occupancies and inherent hazards.  The gradient of the exposing building to that of exposed building.

16. Exposure Production block Storage Fuel tank Generator and substation Utilities Office

17. Exposure.

18. Positive aspects of the Unit

19. Intension to Change – then

20. now - 6 months after Inspection

21. Suggestions on Claims Claim Intimation/Settlement - Delay in intimation - Delay in submission of Documents - Coverage not found appropriate - Inadequate Values - Slavage Disposal - Deductibles

22. Thanks