Risk Assessment 195624

risk assessment FOR FIRE/PROPERTY

PRESENTED BY : ROYADI SUDARMA

TUJUAN PRESENTASI 

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

BENTUK-BENTUK RESIKO Resiko Murni   

kemungkinan yg akan timbul rugian atau tidak rugi ( no loos or break even) (mengendarai mobil – selamat/kecelakaan merusak harta orang lain(T.J.H)

Resiko Khusus (Particular Risk) 

Resiko yg berasal dari kejadian khusus, yg dampaknya dirasakan local (Pencurian, kecelakaan,kebakaran,peledakan) 3

BENTUK-BENTUK RESIKO 

Resiko Spekulatip Kemungkinan yg akan timbul mendptkan Kerugian ,tidak rugi, keuntungan (Pembelian saham,valas,menimbun barang)

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Resiko Fundamental. Yg tidak menyangkut pribadi,baik asal(sifat masyarakat) dan konsekuensinya,yg berdampak sangat luas ( Perang,inflasi dll) 4

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) 5

HAZARDS 2.

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

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Definisi risiko 

Dalam bidang Asuransi , Risiko dilihat sebagai

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Ketidak-pastian akan terjadinya kerugian (the uncertainty of Loss ) atau

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Risk is Function of probabilty & Severity 7

Risk Assessment (Menganalisa Risiko) 

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

Apa tujuan Risk Assessment    

Mengenali Hazard Menurunkan Potential Risk Menetapkan Tingkatan Fire Safety Mengukur dan mengatur kebijaksanaan

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TAHAPAN RISK ASSESSMENT 

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Pengaturan Kunjungan (Visit Arrangement) Kunjungan kelokasi ( Site Visit) Membuat laporan ( Reporting)

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Manfaat Risk Assessment 

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

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Critical Points of Risk Assessment          

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

Occupancy Type occupancy dapat menimbul effect   

Muatan risiko Kebakaran dlm Gedung Tingkat risiko kebakaran Contoh : Restaurant, Toko, Gudang,(mempunyai tingkatan risiko yg berbeda) 13

Restaurant Hazard indentification        

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

Common Hazards in Industry      

Process Hazards Electrical Hazards Use flammable liquids/gases Use of combustible material Arson others

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

Construction Investigation Items Building Structure type SteelConstruction Concrete construction Wood construction Others buildings.

Building Material Wall Roof & Celling &

Other.

Age (year) Building area (m2) Land area Number of etc

- celling - Partition wall etc 17

Exposure 

Type of Exposure from surrounding areas:

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

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Protection System 

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

ive fire protection : Distance,Building construction .storage Arrangement 19

Fire Protection Equipment Critical Aspect. : 

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FPE designs comply to standard (local/International) and testing, Size, Type, Number, Capacity. Placement and Coverage areas, Maintenance, inspection

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

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Management      

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

Routine inspection and Maintenance 

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

Security system Indentify the following aspect: 

Security Guard

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Night lighting

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CCTV & Monitor

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Goods easily transport

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Watchman Patrol

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Window Barred

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Logbook

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Padlock

Access control to the premises 24

Parameters Construction Protection Risk Management & Commitment Control Loss Trend Probability

Building Construction Occupancy Exposures Protection System Routine Inspection & Maintenance Management Security System Hazard 25 Loss History

Grading for Construction No combustibility

4

Limited combustibility

3

Combustible material but slow burning

2

Combustible material, contribute to fire spreading

1

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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 27

1

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

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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

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Overall Grading Values GRADING

Parameter

Excellent Good Fai Poor r

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

Grading Scale Overall Grading Excellent

Points Per Parameter 4

Total Points

Good

3

10-13

Fair

2

6-9

Poor

1

4-5

14-16

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Risk Improvement 

Observation

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Potential Risk

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Advice

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Thank You