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If your workplace has a fire, will your insurer pay out?

If you haven’t carried out your Fire Risk Assessment this year they may not!

What's a Fire Risk Assessment?

A Fire Risk Assessment evaluates your premises in terms of fire safety hazards. A qualified Fire Compliance & Safety assessor will visit your premises, make a detailed physical inspection and provide you with an easy to understand report. This report will include a prioritised action plan on how to minimise the risk of fire to your business.

Who needs a Fire Risk Assessment?

The Law states that the responsible person for each premise is required to carry out a Fire Risk Assessment each year and take steps to reduce or remove the risks.

The "responsible person" is the person/s, who owns or controls the business and the owner of the property in the case of multi occupied buildings.

Why can’t I do the Fire Risk Assessment myself?

If you have the time and expertise to do it you can, but beware, for an untrained person a Fire Risk Assessment can be time consuming and might not meet the legal requirements.

The law clearly states that "a premise must have a suitable and sufficient Fire Risk Assessment carried out by a competent person". The definition of a 'competent person' is where a person has had "sufficient training and or knowledge and other qualities to carry out the role".

The Fire Service are at liberty to visit a premises at any time and check a Fire Risk Assessment. If you are unfortunate enough to have a fire and your Fire Risk Assessment has been deemed not suitable or sufficient the loss adjusters can use that fact to withhold or downgrade any insurance payments.