risk assessment FOR FIRE/PROPERTY PRESENTED BY : ROYADI SUDARMA risk assessment FOR FIRE/PROPERTY PRESENTED BY : ROYADI SUDARMA

2 TUJUAN PRESENTASI MAMPU MENGUMPULKAN INFORMASI PENTING DLM MELAKUKAN ANALISA RISIKO (RISK ASSESSMENT FOR PROPERTY RISK) MAMPU MENGUMPULKAN INFORMASI PENTING DLM MELAKUKAN ANALISA RISIKO (RISK ASSESSMENT FOR PROPERTY RISK) MAMPU MEMPERKIRAKAN KERUGIAN YANG TERBESAR YG MUNGKIN TERJADI MAMPU MEMPERKIRAKAN KERUGIAN YANG TERBESAR YG MUNGKIN TERJADI MAMPU MENENTUKAN TINGKATAN RESIKO MAMPU MENENTUKAN TINGKATAN RESIKO MAMPU MEMBERIKAN RISK RECOMENDATION MAMPU MEMBERIKAN RISK RECOMENDATION

3 BENTUK-BENTUK RESIKO Resiko Murni kemungkinan yg akan timbul rugian atau tidak rugi ( no loos or break even) kemungkinan yg akan timbul rugian atau tidak rugi ( no loos or break even) (mengendarai mobil – selamat/kecelakaan (mengendarai mobil – selamat/kecelakaan merusak harta orang lain(T.J.H ) merusak harta orang lain(T.J.H ) Resiko Khusus (Particular Risk) Resiko yg berasal dari kejadian khusus, yg dampaknya dirasakan local Resiko yg berasal dari kejadian khusus, yg dampaknya dirasakan local (Pencurian, kecelakaan,kebakaran,peledakan)

4 BENTUK-BENTUK RESIKO Resiko Spekulatip Resiko Spekulatip Kemungkinan yg akan timbul mendptkan Kerugian,tidak rugi, keuntungan (Pembelian saham,valas,menimbun barang) Resiko Fundamental. Resiko Fundamental. Yg tidak menyangkut pribadi,baik asal(sifat masyarakat) dan konsekuensinya,yg berdampak sangat luas ( Perang,inflasi dll)

5 HAZARDS Adalah keadaan yang dapat menimbulkan atau memperbesar kemungkinan terjadinya kerugian terdiri dari 1. Physical Hazards Yg berkenaan dng aspek pisikal dari resiko, yg kemungkinan dpt menimbulkan atau memperbesar suatu kerugian,baik terjadinya (occurrence) maupun tingkat keparahannya(severity),contoh (Dinding kayu/tembok,atap rumbia,stock kimia,dll)

6 2. Moral Hazards. Hazard yg berkenaan dng sikap perilaku orang- orang (Tertanggung) yang sangat berpengaruh thd besarnya kerugian. HAZARDS

7 Definisi risiko Dalam bidang Asuransi, Risiko dilihat sebagai Dalam bidang Asuransi, Risiko dilihat sebagai Ketidak-pastian akan terjadinya kerugian (the uncertainty of Loss ) atau Ketidak-pastian akan terjadinya kerugian (the uncertainty of Loss ) atau Risk is Function of probabilty & Severity Risk is Function of probabilty & Severity

8 Risk Assessment ( Menganalisa Risiko) Adalah mengkaji hubungan antara Frekwensi/probability dan keparahan(severity)Risiko atau obyek pertanggung dalam Asuransi. Adalah mengkaji hubungan antara Frekwensi/probability dan keparahan(severity)Risiko atau obyek pertanggung dalam Asuransi. Outputnya adalah satu keputusan : Outputnya adalah satu keputusan : Acceptable Risk Acceptable Risk or or Unacceptable Risk Unacceptable Risk

9 Apa tujuan Risk Assessment Mengenali Hazard Mengenali Hazard Menurunkan Potential Risk Menurunkan Potential Risk Menetapkan Tingkatan Fire Safety Menetapkan Tingkatan Fire Safety Mengukur dan mengatur kebijaksanaan Mengukur dan mengatur kebijaksanaan

10 TAHAPAN RISK ASSESSMENT Pengaturan Kunjungan (Visit Arrangement) Pengaturan Kunjungan (Visit Arrangement) Kunjungan kelokasi ( Site Visit) Kunjungan kelokasi ( Site Visit) Membuat laporan ( Reporting) Membuat laporan ( Reporting)

11 Manfaat Risk Assessment Menetapkan Tingkatan Risiko( Risk Granding) Menetapkan Tingkatan Risiko( Risk Granding) Memperkirakan Kemungkinan risiko yg terbesar Memperkirakan Kemungkinan risiko yg terbesar Perbaikan Risiko (Risk Improvement) Perbaikan Risiko (Risk Improvement)

12 Critical Points of Risk Assessment Occupancy Occupancy Building construction Building construction Exposure Exposure Protection system Protection system Process & Hazard Process & Hazard Fire safety & Risk Management Fire safety & Risk Management Security System Security System Loss History Loss History EML/PML EML/PML Risk Improvement Risk Improvement

13 Occupancy Type occupancy dapat menimbul effect Muatan risiko Kebakaran dlm Gedung Muatan risiko Kebakaran dlm Gedung Tingkat risiko kebakaran Tingkat risiko kebakaran Contoh : Contoh : Restaurant, Toko, Gudang,(mempunyai tingkatan risiko yg berbeda) Restaurant, Toko, Gudang,(mempunyai tingkatan risiko yg berbeda)

14 Restaurant Hazard indentification Use LPG Use LPG Combustible material Combustible material Kitchen hoods Kitchen hoods Flammable liquids Flammable liquids Alcohol Alcohol Housekeeping Quality Housekeeping Quality Electrical system Electrical system others others

15 Common Hazards in Industry Process Hazards Process Hazards Electrical Hazards Electrical Hazards Use flammable liquids/gases Use flammable liquids/gases Use of combustible material Use of combustible material Arson Arson others others

16 Occupancy Klasifikasi Hazards Occupancy (Versi NFPA.13) Light Hazard ( Ringan) Light Hazard ( Ringan) Ordinary Hazard Group I Ordinary Hazard Group I Ordinary Hazard Group 2 Ordinary Hazard Group 2 Extra Hazard Group I Extra Hazard Group I Extra Hazard Group 2. Extra Hazard Group 2.

17 Building Structure type Other. SteelConstruction Age (year) Concrete construction Building area (m2) Wood construction Land area Others Number of buildings. etc etc Building Material Wall - celling support Roof & support - Partition wall Celling & support etc Construction Investigation Items

18 Exposure Type of Exposure from surrounding areas: Type of Exposure from surrounding areas: Fire and explosion exposure Fire and explosion exposure Riot,strike exposure Riot,strike exposure Exposure from natural hazards Exposure from natural hazards (Flood,earthquake,tsunami,landslide etc) (Flood,earthquake,tsunami,landslide etc) (Distance: D.: 6 m,C.:6-20 m, B :20 – 38 m.A :<38 m – No Tenants) (Distance: D.: 6 m,C.:6-20 m, B :20 – 38 m.A :<38 m – No Tenants)

19 Protection System Fire protection System can divide into 2 major categories : Fire protection System can divide into 2 major categories : Active fire protection : Portable fire extinguisher,Hydrant system,sprinker system,water supply,fire detection system etc Portable fire extinguisher,Hydrant system,sprinker system,water supply,fire detection system etc Passive fire protection : Distance,Building construction.storage Arrangement Distance,Building construction.storage Arrangement

20 Fire Protection Equipment Critical Aspect. : FPE designs comply to standard (local/International) FPE designs comply to standard (local/International) and testing, Size, Type, Number, Capacity. Placement and Coverage areas, Maintenance, inspection and testing, Size, Type, Number, Capacity. Placement and Coverage areas, Maintenance, inspection

21 Electrical Hazards Common electrical Hazards Over loading circuit Over loading circuit Use of unapproved electrical devices Use of unapproved electrical devices Damaged or worn wiring. Damaged or worn wiring.

22 Management Fire safety Management Fire safety Management Fire safety policy Fire safety policy Emergency fire action plan Emergency fire action plan Fire safety information & training Fire safety information & training Fire drill Fire drill Testing & maintenance of fire safety measure Testing & maintenance of fire safety measure Recording information and keeping records Recording information and keeping records

23 Routine inspection and Maintenance Extensive Preventive Maintenance Program fully supported by management Extensive Preventive Maintenance Program fully supported by management Critical spare parts kept on site, purchase of others based on Preventive Maintenance Program Critical spare parts kept on site, purchase of others based on Preventive Maintenance Program Maintenance organization has adequate staff & skill. Maintenance organization has adequate staff & skill. etc etc

24 Security system Indentify the following aspect: Security Guard Security Guard Night lighting Night lighting CCTV & Monitor CCTV & Monitor Goods easily transport Goods easily transport Watchman Patrol Watchman Patrol Window Barred Window Barred Logbook Logbook Access control to the premises Access control to the premises Padlock Padlock

25 Parameters Building Construction Occupancy Exposures Protection System Routine Inspection & Maintenance Management Security System Hazard Loss History Construction Protection Risk Management & Commitment Control Loss Trend Probability

26 Grading for Construction No combustibility 4 Limited combustibility 3 Combustible material but slow burning 2 Combustible material, contribute to fire spreading 1

27 Grading for Protection Fire protection system is installed and maintained fully appropriate to the hazards present 4 Fire protection system is installed and maintained sufficiently appropriate to the hazard present as to be acceptable without the need for improvement 3 Fire protection system is installed and maintained below the standard appropriate to the hazards present 2 Fire Protection system is installed and maintained significantly below the standard appropriate to the hazards present 1

28 Risk Mgt & Commitment Control Risk Mgt & Commitment Control Risk Mgt & Commitment control is above standard 4 Good Risk Mgt & Commitment Control 3 Moderate Risk Mgt & Commitment control improvement is required 2 Poor Risk Mgt & Commitment control 1

29 Loss Trend Probability Loss Trend Probability Very low loss trend probability Hazard control is excellent Nil loss experienced. 4 Low loss trend probability Hazard control is good Nil or very small of loss experienced Adequated corrective action. 3 Moderate loss trend probability Control of hazard is available but need improvement Small to medium loss experienced Corrective action is taken but still need improvement 2 High to very high loss trend probability Poor Hazard control system Big losses experienced Corrective action is not taken 1

30 Overall Grading Values GRADING ParameterExcellentGoodFairPoor Protection Construction Risk Management, Commitment & Control Lose Trend Probability Grading Point OVERALL GARDING IS

31 Grading Scale Overall Grading Points Per Parameter Total Points Excellent Good Fair26-9 Poor14-5

32 Risk Improvement Observation Observation Potential Risk Potential Risk Advice Advice

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