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Industry Guide - Non Manufacturing

Care Homes

Below is a list of the typical types of plant that you might expect to find at the above:

  • Autoclaves/Sterilisers
  • Hot Water Heating/Supply Systems
  • Patient Hoists e.g. bath hoists, patient lifts
  • Stair Lifts
  • Passenger/Goods Lifts
  • General Electrical/Mechanical Plant e.g. Motors, Pumps
  • Electrical Installations e.g. Fixed Wiring
  • Portable Electrical Apparatus

Dentists, Doctors & Vets Surgeries

Below is a list of the typical types of plant that you might expect to find at the above:

  • Autoclaves/Sterilisers
  • Air pressure plant e.g. air receiver on compressor
  • Hot Water Heating/Supply Systems
  • Refrigeration Plant e.g. vaccines/medicines
  • Passenger/Goods Lifts
  • General Electrical/Mechanical Plant e.g. Motors, Pumps
  • Electrical Installations e.g. Fixed Wiring

Educational Establishments

Below is a list of the typical types of plant that you might expect to find at the above:

  • Steam Boiler
  • Other Steam process plant e.g. vessels
  • Autoclaves
  • Air pressure plant
  • Hot Water Heating/Supply Systems
  • Refrigeration Plant
  • Window Cleaning Equipment
  • Lifting Plant e.g. blocks and tackle, slings etc.
  • Personnel lifts
  • Passenger/Goods Lifts
  • Local exhaust ventialtion plant e.g. dust and fume extraction
  • General Electrical/Mechanical Plant e.g. Motors, Pumps
  • Electrical Installations e.g. Fixed Wiring
  • Power Presses

Hotels & Motels

Below is a list of the typical types of plant that you might expect to find at the above:

  • Steam Boilers e.g. Canteen Boilers
  • Refrigeration Plant
  • Hot Water Heating/Supply Systems
  • Window Cleaning Equipment
  • Passenger/Goods Lifts
  • General Electrical/Mechanical Plant e.g. Motors, Pumps
  • Electrical Installations e.g. Fixed Wiring


Hotels / Motels Process Overview

These occupancies usually consist of buildings in which rooms are rented on a daily basis.

The locations will often have a complete kitchen and restaurant facility.

The primary processes are environmental air conditioning and heating, electrical power supply, refrigeration of food, extensive telephone systems, and other business equipment.

Many locations will have a swimming pool, with associated pumps and heaters.

Other processes may include television satellite receivers, elevator systems, and fire protection systems.

Critical Equipment Exposures


Restaurant equipment includes small hermetic refrigeration units that receive little or no maintenance. CONSEQUENTIAL exposure may be high in some hotel restaurants.

Heating & Air Conditioning equipment size and type varies from location to location, depending upon the age, size, and design of the location. The variation can be as much as individual heat pumps for each room to a single centrally located system. Normally, the equipment is of a type and located such as to allow for rapid repair or replacement of even major components. When there are individual heat pumps, there is usually no maintenance program. The units are operated until they break down, and are changed out as a unit. Larger centralized units usually have preventive maintenance programs in place, and have some installed spare capacity to minimize a Business Interruption loss.

Electrical Supply originated losses are usually due to lightning and other surges or under voltage conditions. The electrical supply should be protected against wide voltage swings. The telephone system should be specifically protected against power variance, both on the power supply lines and on the incoming telephone connections.

Managing Agents & Property Owners

Below is a list of the typical types of plant that you might expect to find at the above:

  • Steam Boilers e.g. Canteen Boilers
  • Refrigeration Plant (Air Conditioning Systems)
  • Hot Water Heating/Supply Systems
  • Window Cleaning Equipment
  • Safety Equipment (eyebolts)
  • Passenger/Goods Lifts
  • Disabled Access Lifts
  • Service Lifts
  • General Electrical/Mechanical Plant e.g. Motors, Pumps
  • Electrical Installations e.g. Fixed Wiring

Offices

Below is a list of the typical types of plant that you might expect to find at the above:

  • Refrigeration Plant
  • Hot Water Heating/Supply Systems
  • Window Cleaning Equipment
  • Passenger/Goods Lifts
  • General Electrical/Mechanical Plant e.g. Motors, Pumps
  • Electrical Installations e.g. Fixed Wiring


The following is an extract from HSB Equipment Connection (c) Copyright 1997, The Hartford Steam Boiler Inspection and Insurance Company. All Rights Reserved.

Office Buildings (Owner, Not Tenant) Process Overview

This occupancy is intended for Owners only who lease space to non-manufacturing occupancies. These locations are typically multistory buildings used to carry on general business, professional activities, and customer services.

Tenants may include various offices, marketing operations, restaurants, or other non-manufacturing occupancies. Vehicle garages may be incorporated within the building. Exposures will generally be found in electrical power supply and distribution, heating, ventilation and air conditioning, and transport systems (elevators and escalators).

Note: This Occupancy does not include locations with leases to tenants who carry out production and/or manufacturing facilities.

Critical Equipment Exposures

Boilers / Pressure Vessels: Boilers providing steam and hot water should be normally of a standard type and accessible for repairs / replacement in basement or ground floor machinery rooms. Upper floor machinery rooms are acceptable so long as elevator size and capacity allows for replacement of the units.

In some cases in larger urban areas, in lieu of heating boilers, the insured may obtain a steam supply through pipes from an outside vendor located in a building remote from building in question. If that is the case, exposure is proportionately reduced.

Air Conditioning, And Ventilation: Central air conditioning (AC) systems or units are used to supply chilled water to the various floors. The size of the air conditioning equipment necessary can be roughly calculated using one ton per 300 Sq. Ft. of floor space. There should be sufficient installed spare capacity to minimize business interruption exposure. Rooftop units and upper floor machinery rooms are acceptable as long as elevator size and capacity allows for replacement of the units. Cooling towers located on Rooftops can pose additional exposure for repair / replacement. All upper floor equipment poses the possibility of water damage. If steam turbines are used to drive A/C compressors, exposures are significantly elevated.

In some cases, in larger urban areas, in lieu of A/C systems, the insured may obtain chilled water supply for cooling through pipes from an outside vendor located in a building remote from building in question. If that is the case, exposure is proportionately reduced.

Electrical Power Supply & Distribution: The building owner is almost always responsible for the incoming power supply and the distribution substations. Larger buildings may have large incoming transformers, and newer buildings may have sophisticated power quality control equipment, especially if the tenants use a number of computers or other electronic equipment.

Business Interruption: Business Interruption exposures can be substantially increased if equipment accessibility is hindered in any way, if a single large unit is used instead of multiple smaller units, or if there is no installed spare capacity.

Maintenance & Plant Engineering: The location should have an in-house maintenance staff, or a contracted plant maintenance organization that functions in a similar manner. The use of maintenance service contracts that covers both preventive and corrective maintenance is desirable.

Cut-away sketch of typical office buildings/offices (JPG, 90 KB)

Places of Worship

Below is a list of the typical types of plant that you might expect to find at the above:

  • Steam Boilers e.g. Canteen Boilers
  • Refrigeration Plant
  • Hot Water Heating/Supply Systems
  • General Lifting Plant e.g. slings, blocks
  • Window Cleaning Equipment
  • Passenger/Goods Lifts
  • General Electrical/Mechanical Plant e.g. Motors, Pumps
  • Electrical Installations e.g. Fixed Wiring



Note: Some larger churches have workshops associated to them which may have plant akin to a factory.

Residential

Below is a list of the typical types of plant that you might expect to find at the above:

  • Refrigeration Plant e.g. Air Conditioning Plant
  • Hot Water Heating/Supply Systems
  • Window Cleaning Equipment
  • Passenger/Goods Lifts
  • General Electrical/Mechanical Plant e.g. Motors, Pumps
  • Electrical Installations e.g. Fixed Wiring

Retail

Below is a list of the typical types of plant that you might expect to find at the above:

  • Refrigeration Plant e.g. Air Conditioning, Freezers, Cold Rooms
  • Hot Water Heating/Supply Systems
  • Fork Lift Trucks
  • Pallet Trucks
  • Window Cleaning Equipment
  • Passenger/Goods Lifts
  • General Electrical/Mechanical Plant e.g. Motors, Pumps
  • Electrical Installations e.g. Fixed Wiring

Theatres & Cinemas

Below is a list of the typical types of plant that you might expect to find at the above:

  • Steam Boilers e.g. Canteen Boilers
  • Refrigeration Plant
  • Hot Water Heating/Supply Systems
  • Window Cleaning Equipment
  • Lifting Equipment e.g. Winches, Scenery Hoists
  • Passenger/Goods Lifts
  • General Electrical/Mechanical Plant e.g. Motors, Pumps
  • Electrical Installations e.g. Fixed Wiring

Warehouses

Below is a list of the typical types of plant that you might expect to find at the above:

  • Air Pressure Plant e.g. Air Receivers
  • Refrigeration Plant
  • Hot Water Heating/Supply Systems
  • Cranes e.g. Overhead Travelling
  • Lifting Plant e.g. blocks and tackle, slings etc.
  • Fork Lift Trucks
  • Order Picker
  • Pallet Trucks
  • Passenger/Goods Lifts
  • General Electrical/Mechanical Plant e.g. Motors, Pumps
  • Electrical Installations e.g. Fixed Wiring

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