APA INSURANCE RE-WRITING THE RULES OF INSURANCE

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APA INSURANCE RE-WRITING THE RULES OF INSURANCE

• FIRE PREVENTION PLANNING

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About Us

• Incorporated in 2003 from the merger of general
  businesses of Apollo Insurance Company and Pan
  Africa Insurance with 95 years of experience in
  the East African market.
• Started operations in January 2004
• Largest Insurer - Gross written premium of
  Kshs.5.1B as at December,2011
• Countrywide representation - Nairobi, Nyeri
  Mombasa, Nakuru, Kisumu, Naivasha, Thika, Meru,
  Eldoret, Machakos, Kisii and Embu
• Regional presence
• Uganda APA Uganda Limited
• Tanzania Reliance Insurance

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• OUR VISION MISSION

VISION WE ARE THE REGIONS MOST RESPECTED GROUP
CREATING AND PROTECTING WEALTH MISSION WE PUT
SMILES ON THE FACES OF OUR STAKEHOLDERS
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OUR CORE VALUES

• PROFESSIONALISM
• INSIGHTFUL
• HUMILITY
• TRAILBLAZING
• INTEGRITY
• TIRELESS
• NO-NONSENSE

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APA AWARDS ACHIEVEMENTS

• Insurance Awards 2013 presented by Think Business
• 2nd Runner Up Medical Underwriter of the Year
  Award
• 1st Runner Up Socially Responsible Company of
  the Year Award
• 2nd Runner Up Training Initiative of the Year
  Award
• 2nd Runner Up Best Claim Settlement Company of
  the Year Award
• Apollo Group won the Best Claim Settlement
  Company of the Year Award i.e. Out of the three
  awards for Claim Settlement our Group bagged two.
• Our Group CEO won Lifetime Achievement Award

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Elements of Fire Prevention Planning

• Overview
• To maximize on fire safety a business/home needs
  to
• Identify Major Fire Hazards in their operation
• Effect proper control of hazardous materials
  including flammables, combustible gases
  liquids.
• Control all potential fire ignition sources
• Put in place Fire Protection appliances
  equipment
• Draw up a fire prevention strategy
• Carry out fire Emergency training for all
  employees
• Ensure regular inspection maintenance of
• appliances equipment

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Identify Major Fire Hazards

• Excellent housekeeping Pro-active management
  of scrap, waste materials, dust trash. When
  these items are allowed to accumulate, the risk
  of fire is increased e.g. accumulation of wood
  and or plastic dust can lead to a fire or
  explosion.
• Combustible materials Ordinary combustible
  materials, like paper, cardboard, wood and
  products made from these materials can present a
  fire hazard when allowed to accumulate or if
  stored improperly. Foam or plastic cups, utensils
  , materials close to heat sources burn rapidly
  and give off dense, toxic hence poisonous
  smoke. This is greatly responsible for deaths
  during fires.
• Prevention of spontaneous ignition Oily rags or
  
• other materials soaked in solvents etc can
• spontaneously combust.

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Identify Major Fire Hazards

• Flammable materials The unsafe use, storage,
  dispensing or disposal of flammable materials can
  be a prime source of fires and explosions. Read
  labels of all spray cans to identify those with
  flammable gas-propellants. Butane and propane are
  the most common and should never be exposed to
  heat or flames.
• Electrical safety Extension cords and
  multiple plug adapters should only be used for
  temporary operations. Overloaded circuits,
  damaged wiring and defective switches and outlets
  can all lead to electrical fires. Placing room
  heaters near combustible materials poses a fire
  hazard.

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Identify Major Fire Hazards

• Small portable fans can pose a fire hazard if
  they are placed near combustible materials or
  where the blades of the fan can easily catch
  items. Damaged wiring on portable fans and
  mounting portable fans on wall s also increases
  fire risk.
• Hot works Any operation involving heating
  materials or use of open flames e.g. welding,
  cutting, drilling, heaters, guards pilot lights
  can present a fire hazard.
• Machines equipment Machines that are not
  lubricated properly can overheat and start a
  fire. Electrical faults that are not promptly
  attended to can lead to overheating
• subsequent ignition

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Identify Major Fire Hazards

• Renovations and maintenance Renovation or
  maintenance projects that do not conform to the
  initial specifications use of a building or
  fire codes can result in increased fire exposure
  e.g. poor construction methods or materials,
  capacity of electrical outlets etc can compromise
  fire safety
• Careless smoking Smoking is prohibited in
  most facilities owned or leased. Some exceptions
  are made for certain residential and public
  facilities. Outdoors, discarded smoking materials
  carelessly tossed in waste containers or into
  landscaping can easily start a fire.

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Identify Major Fire Hazards

• Occupation Trade carried on in the premises
  and principle processes and materials used e.g.
  solvent extraction processes, grinding and
  milling operations are a high ignition risk and
  adequate measures to prevent ignition must be in
  place.
• Construction Standard of construction e.g.
  degree of sub-division, floor opening and
  lighting protection systems determines how
  quickly a fire spreads. Ensure that partitions
  are fire resistant as much as practicable.
• Surroundings fire hazards exposure from
  adjoining buildings needs to be assessed
  correctly and remedial action taken!
• Employees (Hands) Numbers, shifts worked,
• qualification, and motivation of workers all
  impact on fire risk .

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Proper control of hazardous materials

• Definition of a hazardous material -any material
  which may pose a substantial health hazard to
  humans or the environment when released or
  spilled.
• Hazard Communication Programs should include
• Labels and other forms of warning
• Material Safety Data Sheets
• Training on handling flammable and combustible
  liquids
• Providing employees with a list of the hazardous
  chemicals in the workplace as such chemicals may
  pose a fire hazard
• Informing employees of non-routine tasks
• Informing on a need basis, visitors contractors

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Control of potential ignition sources

• Common ignition sources include
• Open flames from cutting and welding,
  furnaces, matches, heaters, smoking materials,
  static electricity, friction sparks, motors,
  switches and circuit breakers.
• Three elements heat, fuel and oxygen must be
  present to ignite a fire. Separating the 3 must
  be consciously done.
• All non-essential ignition sources must be
  eliminated especially in cases where flammable
  liquids are used or stored.
• Where necessary however, maintenance is of the
  essence.
• "Lack of maintenance in looking toward potential
  sources of ignition
• electrical and mechanical, is the common thread
  in several high-profile fire events
  that have occurred "
• h

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Control of potential ignition sources

• The best defense against fire for various
  facilities includes thorough preparation on fire
  fighting, compliance, an educated staff and plans
  that can be put into action immediately.
• It's one thing to reduce operating costs, but
  focus should also include reducing fire risk.
• Intrinsic safety (IS), is an example of fire
  protection technique for safe operation of
  electrical equipment in hazardous areas by
  limiting the energy available for ignition for
  low-power circuits. Such systems protect against
  explosions triggered by factors such as
  electrical arcs/sparks, frictional sparks, hot
  surfaces, lightning strikes, welding activities
  etc.

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List of Fire Protection Arrangements

• Public fire fighting arrangements
• Location of nearest Public fire brigade
• Availability of nearest Public fire brigade
  fulltime/part time basis
• Analysis on Factors that may impact Possible
  response time from nearest Public fire brigade
  traffic jams, infrastructure
• Condition of the equipment to be used by Public
  fire brigade e.g. fire hydrants
• Public fire brigade familiarity with the
  plant/building
• Existence of mutual aid agreements with
  neighboring
• works and fire brigades.

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List of Fire Protection Arrangements

• Private fire fighting arrangements
• Sprinklers adequate water supplies for
  various standards or grades of building
  protection
• Hydrants dry wet risers, booster pumps etc
• Hose Reels
• Portable Extinguishers with indicated unit
  scale requirements
• Buckets sand buckets
• Fire Blankets
• Dry pipe water and wet chemical systems
• Hood exhaust systems commercial kitchen
  exhaust hood and duct system that is
  protected with an automatic fire
  suppression system.

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Prevention Strategy

• Combustible material must not be stored close
  to heating appliances or electrical light and
  items no longer in use should properly be
  disposed of as hoarding increases the risk of
  ignition, the fire load and possible structural
  damage from a very intense fire.
• Where possible, substitute flammable
  materials with safer, less/non flammable,
  non-toxic materials. Install flammable liquid
  storage cabinets that do not exceed stipulated
  storage limits accompanied with a continuous
  mechanical ventilation system with ducts
  exclusive to such systems . Materials that
  contribute to flammable liquid fire should not be
  stored with flammable liquids e.g.
  oxidizers.

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Prevention Strategy

• Clear passageways must be maintained free of
  obstacles, including furniture and other
  equipment.
• Fire-rated doors must not be blocked open with
  wedges, stoppers, or anything else. These doors
  are to remain closed to reduce fire and smoke
  spread through the rest of the building.
• Fire-resistant barriers must be adhered to for
  all building materials used in renovation or
  building projects and must meet the fire code
  requirements for fire-resistance. As all
  penetrations of floors, ceilings, and walls are
  avenues for smoke and heat travel, they hence
  must be properly fire-stopped where required.

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Prevention Strategy

• Electrical inspection must be conducted on all
  wiring, switches and plugs for damage. Repairs
  must be performed by an Electrical Qualified
  Person and all outlets, junction boxes, and
  electrical panels breaker/disconnects in circuit
  panels must have proper covers and labels. Any
  problems with lighting fixtures or heating
  elements must be reported immediately.
• Proper use of electrical equipment/appliances
  avoid use of electric cords or equipment in wet
  or damp locations as well as connecting/disconnect
  electrical cords with wet hands which may result
  in a short circuit. Do not overload motors or
  circuits, which can easily become a source of
  ignition. Do not
• use extension cords in place of permanent
  building wiring.

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Prevention Strategy

• Multiple plug adapters increase fire risk hence
  additional wall outlets should be installed.
  Alternatively, power strips with breaker
  protection may be applied.
• Portable fire extinguishers cannot be
  obstructed, and must be clearly visible with
  notification signs displayed.
• Compressed gas cylinders must be stored in
  compatible groups, with flammables separated from
  oxidizers and corrosive materials. Oxygen
  cylinders must be at least 20 feet from flammable
  and combustible materials. Separation can be by
  barrier that has a fire-rating of at least ½
  hour, such as concrete block or sheet metal, that
  is at least 5 feet
• in height.

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Prevention Strategy

• Fire protection systems must be installed in
  buildings such as automatic fire alarm systems
  to facilitate notification of building occupants
  of a fire emergency. Various types of smoke and
  heat detectors, along with manual pull stations
  i.e. red boxes should be linked to the alarm
  system. While exiting the building occupants will
  need to communicate to others in the building by
  yelling FIRE, or by other means as defined in
  the buildings Emergency Action Plan.

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Prevention Strategy

• Fire extinguishers effectiveness depends upon the
  following conditions having been met
  Extinguisher is properly located, is of the
  proper type for the fire, is in working order,
  the fire is discovered while still small enough
  to be extinguished and someone is ready, willing,
  and able to use the extinguisher.
• Factors to consider when selecting portable
  fire extinguishers Nature of flammables and
  combustibles in area, potential severity of any
  resulting fire, effectiveness and ease of use,
  personnel available to operate it i.e. their
  physical abilities and emotional reactions,
  environmental conditions and suitability for
  environment, anticipated adverse chemical
  reactions between extinguishing agent and burning
  materials,
• health and operational concerns, upkeep and
  maintenance requirements for the extinguisher

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Prevention Strategy

• Miscellaneous requirements such as landscaping
  must not impede fire vehicles, obstruct access to
  fire hydrants or other fire sprinkler test
  valves. It must not obstruct or cause a tripping
  hazard for occupants evacuating a building,
  obstruct exits from doors, windows, or other
  designated evacuation points from a building,
• All work areas are to be cleaned frequently
  to prevent oil buildup. Switch off all power
  equipment or unplug fuel valves when not in use.

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Prevention Strategy

• Building and renovation projects must meet
  standards set by civil and local authorities to
  avoid alterations which increase the fire
  exposure hazard.

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Fire Emergency Training

• Employees Training
• Training employees on all identified fire hazards
  in their work area and the protection measures
  specific to them i.e effecting
• Fire Prevention Plans.
• Related Training
• Portable Fire Extinguisher Training
• Emergency evacuation procedure including exits
• Identification access to assembly points
  roll-call systems
• Safe methods of handling Compressed Gas Cylinder
• Electrical Safety Contact

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Regular inspection and maintenance.

• Who establishes the inspection program?
• Every employer must ensure that regular
  inspections are made of all workplaces. If there
  is no union the employer must invite the workers
  to designate one of their number to conduct the
  inspections.
• What must be inspected in the workplace?
• Buildings, structures, grounds, excavations,
  tools, equipment, machinery, and work methods and
  practices.
• How often?
• Inspections must be done at intervals that will
  prevent the development of unsafe
  working conditions.
•  

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Regular inspection and maintenance.

• What about tools and equipment?
• Machinery, tools and equipment shall be inspected
  in accordance with the manufacturer's
  recommendations or as otherwise specified by
  relevant sections of this Regulation.
•  When are special inspections done?
• A special inspection must be made when required
  by malfunction or accident or by authorities
  (statutory inspections).
• What happens when unsafe conditions are
  discovered?
• Unsafe or harmful conditions found in the course
  of
• an inspection shall be remedied without
  delay.
•  

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Regular inspection and maintenance.

• Who should be informed when unsafe conditions or
  acts are found during inspections?
• Whenever a person observes what appears to be an
  unsafe or harmful condition or act, the person
  must report it as soon as possible to a
  supervisor or to the employer and the person
  receiving the report must investigate the
  reported unsafe condition or act and must ensure
  that any necessary corrective action is taken
  without delay.
• Michelle Kerubo Ondari

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Question and Answer Section
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Talk to us

• 24/7 Emergency Lines -
• 0722 200 100 / 0713 200 100
• 0720 600 577 / 0734 600 577
• Helpline Service-  
• APA Landline (8am-5pm) 020 286 2000/2148/2105
• APA Mobile (8am-5pm) 0720 652 272
• SMS Service-24/7 -
• 0720 600 577
• Email Service -  
• info_at_apainsurance.org
• Visit us at -
• HEAD OFFICE - Apollo Centre,07 Ring Road,
  Parklands, (Next to Nakumatt Ukay)
• TOWN OFFICE - 6th Floor, Hughes Building,
  Kenyatta Avenue
• MOMBASA OFFICE Apollo Court, Moi Avenue
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