Technology Frontiers
Understanding insurance

Understanding insurance

Insurance plays a vital role in enterprise risk control and is one of the key means of self-protection for enterprises. Enterprises face various risks, such as property losses, casualties, and legal liabilities, which can cause huge losses to the enterprise. Insurance, as a risk transfer mechanism, can provide economic compensation and protection for enterprises when risk events occur, reducing the economic burden on enterprises. Therefore, enterprises need to fully understand the types of insurance, insurance clauses, and insurance liabilities, select insurance products suitable for the enterprise, reasonably plan insurance budgets, and establish a sound insurance system. In this way, enterprises can more steadily cope with risk challenges and ensure sustained and stable development.

Fire safety regulations

Fire safety regulations

Safety standards for factories and warehouses are crucial. For Class A, B, and C liquid and gas tanks (areas) and combustible material storage yards, the building structure must comply with fire and explosion prevention regulations to ensure safe distances and isolation measures. Firefighting and rescue facilities must be complete, and fire protection facilities must be reasonably set up and comply with national standards. Heating, ventilation, and air conditioning systems should avoid potential fire hazards. Electrical systems must have fire and explosion-proof designs to ensure safe power supply. In addition, given the characteristics of factories and warehouses, safety monitoring and emergency response mechanisms should be strengthened. In short, the construction and management of factories and warehouses should strictly comply with national standards to ensure the safety of personnel and property and safeguard safe production. Specific safety requirements should be adjusted and improved according to specific circumstances.

Fire risk assessment

Fire risk assessment

By comprehensively considering influencing factors such as the structural characteristics of the building, the combustion characteristics and distribution of combustibles, the characteristics of fire and smoke spread, the configuration of indoor fire protection facilities, the characteristics of building users, and the rescue conditions of the fire department, the assessment helps people objectively and realistically understand the fire hazards of the building and thus decide what countermeasures to take. The assessment results can serve multiple fire prevention purposes, including education, training, design, safety inspections, and insurance.