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jarsmith83  
#1 Posted : 23 July 2014 12:11:58(UTC)
Rank: Super forum user
jarsmith83

Hi All Had a visit from an insurance inspector and a report off the back of this. The report states that our contractor for sprinkler systems is not allowed on site as they do not meet the requirements accepted in the industry. They are Firas accredited, whereas the insurance inspector belive that they can only be LPC. As far as I am aware, contractors have to work to is BS EN 12845, which state that there is a requirement for third party certification. A few years ago the LPC were forced to assist Firas in setting up this third party accreditation for Sprinkler Companies; as until then they had a monopoly and could charge whatever fees they felt fit and dictate to the industry. Can anybody give me their opinion on this and any useful links/info I can use to justify to the insurers that this is correct? If I am not correct, I am more than happy to hold my hands up, but I do not feel that we should remove a perfectly good contractor if the insurer is wrong. Thanks All J
jontyjohnston  
#2 Posted : 23 July 2014 14:44:38(UTC)
Rank: Super forum user
jontyjohnston

I believe you are quite correct in your position! Try this link...should help with your discussions. http://www.warringtoncertification.com/firas.html Regards Jonty
firesafety101  
#3 Posted : 24 July 2014 12:14:48(UTC)
Rank: Super forum user
firesafety101

I once worked for an American company who were insured by IRI, (Industrial Risk Insurers) and I was of the opinion that they were way way over the top on their requirements but they covered the risk and demanded their standards, otherwise no cover and no insurance payments if there was a claim. The point is, do what they say or go to someone else.
Martin#1  
#4 Posted : 24 July 2014 13:22:17(UTC)
Rank: Forum user
Martin#1

In some circumstances an insurer will ask their insured to meet certain criteria and this is written into the policy, failure to meet the requirement could result in the insurer not having to pick up a resulting claim. Its not about best practice or industry standards its about what the insurer wants and if the insured doesn't like it they can place the risk with another insurer
A Kurdziel  
#5 Posted : 24 July 2014 13:43:11(UTC)
Rank: Super forum user
A Kurdziel

Surely insisting that only a contractor approved by LPC will do is a restraint of trade. All they can say is that the contactor has to be suitably qualified and if FIRAS is the equivalent qualification they cannot insist that only LPC certified contractors will do.
firesafety101  
#6 Posted : 24 July 2014 14:19:45(UTC)
Rank: Super forum user
firesafety101

Oh yes they can. Same as clients requiring their favorite contractor competence scheme, i.e safecontractor or CHAS. If you have a different one you don't even get asked to tender.
A Kurdziel  
#7 Posted : 24 July 2014 15:01:16(UTC)
Rank: Super forum user
A Kurdziel

FireSafety101 wrote:
Oh yes they can. Same as clients requiring their favorite contractor competence scheme, i.e safecontractor or CHAS. If you have a different one you don't even get asked to tender.
Perahaps someone shouild ask a question in the Houise(of Commons) since this sounds more like a protection racket rather than a sensible way to mange 'elf and safety'?
David Bannister  
#8 Posted : 24 July 2014 17:04:37(UTC)
Rank: Super forum user
David Bannister

The insurer has their opinion. Whether you agree with it is not immediately relevant. It may be possible for your insurance broker to mediate (that's what you pay their fees for) and it should certainly be possible for them to seek alternative quotations for the next renewal, ensuring of course that any prospective new insurer will accept a non-LPC sprinkler service engineer.
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